RATES & FEES

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Interest rates and charges are updated regularly and are subject to change at any time.

Card Interest Rates Interest - free days Card Charges

Purchase Interest Rate Cash Advance Interest Rate Account fee Joint/additional account fee GlobalPlus   19.95% p.a     22.20% p.a Up to 44 days interest free $27.50 half yearly $6.45 half yearly GlobalPlus Gold   19.95% p.a     22.20% p.a Up to 44 days interest free $52.50 half yearly $17.45 half yearly GlobalPlus Platinum 15.45%p.a       15.45% p.a   Up to 44 days interest free $100 half yearly, Spend >$30,000 half yearly = 100% fee rebate. No charge GlobalPlus Business 17.95%p.a    17.95%p.a Up to 50 interest free days $50 half yearly $10 half yearly

Miscellaneous Charges

Foreign Currency Service fee1 2.25% of the NZ dollar value of each foreign currency purchase, cash advance or returned purchase for Visa, American Express® and MasterCard Late Payment fee $25.00 Over limit fee $20 per statement (until account is back within its limit) Dishonour fee $10.00 Replacement card $10.00 (not applicable for GlobalPlus Gold and Platinum) Courier fee may apply   Statement copy $5.00 (not applicable for GlobalPlus Gold and GlobalPlus Platinum) Voucher copy $25.00 (not applicable for GlobalPlus Gold and GlobalPlus Platinum) Cash Advance2- Electronic - If via a BNZ ATM, Telephone Banking and Internet Banking - If via another bank's New Zealand ATM $1.00 $2.00 Cash Advance2 - Teller Assisted $5.00 Cash Advance2 - All Overseas Transactions $7.50

If you would like more information, call us on 0800 4321 46

1. The converted amount of your foreign currency transaction and the Foreign Currency Service Fee are both included in the New Zealand dollar amount and in the rate of exchange shown on your statement for each transaction.
2. Debit Interest is charged on all Cash Advances from date of the transaction. For cash advances in foreign currencies, a Foreign Currency Service Fee will also apply. For GlobalPlus Platinum, a Cash Advance fee will not apply if your account remains in credit after the Cash Advance.