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RATES & FEES

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GlobalPlus credit card fees are getting smaller. We'll no longer charge a $10 dishonour fee on credit cards and personal loans, plus we're reducing our late payment fee from $25 to $15 - effective for statements dated on or after 1 October 2010. Because we know it's the little things that count.

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 Rate²		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 every Foreign Currency Transaction (as defined in the relevant credit card terms and conditions). There are some Foreign Currency Transactions on which we do not charge a foreign currency service fee, and there are some limited differences in the way a foreign currency service fee is charged on Visa, MasterCard and American Express Foreign Currency Transactions (see small print).
Late Payment fee	$15.00
Over limit fee	$20 per statement (until account is back within its limit)
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

Legals

Small print

American Express® is a registered trademark of American Express Company.

We do not charge a foreign currency service fee on purchase reversals (which does not include, to avoid doubt, purchase refunds – see below), ATM reversals and chargebacks, and credit a foreign currency service fee that is calculated as a percentage of the New Zealand dollar value of the reversal or chargeback. There are also some limited differences in the way a foreign currency service fee is charged on Visa, MasterCard and American Express Foreign Currency Transactions. These include:
a. Where a Merchant performs a purchase refund:

i. MasterCard and Amex: in addition to your purchase refund we credit a foreign currency service fee that is calculated as a percentage of the New Zealand dollar value of the purchase refund.
ii. Visa: we charge on your purchase refund a foreign currency service fee that is calculated as a percentage of the New Zealand dollar value of the purchase refund.

b. Where there is a foreign currency credit to your Card Account that is not related to a previous Foreign Currency Transaction debited to your Card Account:

i. MasterCard and American Express: we do not charge a foreign currency service fee on the converted New Zealand dollar value of the credit. ii. Visa: we charge a foreign currency service fee that is calculated as a percentage of the New Zealand dollar value of the credit.
The converted amount of your Foreign Currency Transaction and the foreign currency service fee (where applicable) are aggregated in the New Zealand dollar amount and in the rate of exchange shown on your statement for each Foreign Currency Transaction.
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.



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