BNZ Credit Cards

"If the Visa account has an interest free period, if the Employer always pays the full amount of the 'current balance' shown on a statement by the last date for payment, interest will not accrue on the 'current balance'. If the Employer pays less than the full amount of the 'current balance' shown on a statement by the last date for payment, the interest free period will no longer apply to the 'current balance' and any new transactions made until the closing date of the next statement period. Interest free periods do not apply to Cash Advances and Balance Transfer amounts."

"The cash advance fee does not apply to overseas withdrawals, but a foreign currency service fee may be charged."

"The Bank does not charge a foreign currency service fee on purchase reversals, purchase refunds, ATM reversals and chargebacks. The Bank does not charge a foreign currency service fee if the conversion currency at the point of sale for a purchase is New Zealand dollars."

"If you always pay the full amount of the 'current balance' shown on your statement by the Last Date for Payment, interest will not accrue on the 'current balance'. If you pay less than the full amount of the 'current balance' shown on your statement by the Last Date for Payment, your interest free period will no longer apply to the 'current balance' and any new Transactions you make until the closing date of your next statement period."

"Balance Transfer occurs when we agree that you can transfer the outstanding debit balance of your credit card that is issued by another bank or financial institution that is approved by us to your Credit Card Account. If we do not agree or approve the bank or financial institution, the transfer is a Cash Advance."

"If the dynamic currency conversion Transaction is converted into New Zealand dollars, it is not a Foreign Currency Transaction, and we do not charge you a foreign currency service fee under clause 9.11."

"If you always pay the full amount of the 'current balance' shown on your statement by the Last Date for Payment, interest will not be charged on Transactions (including fees and charges on those Transactions), other than on Cash Advances and Balance Transfers as set out in clause 7.2. If you pay less than the full amount of the 'current balance' shown on your statement by the Last Date for Payment, interest will be calculated and charged on the current balance from the opening date of your next statement and on Transactions debited after the opening date of your next statement from the date the Transaction was made."

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  "fixed_nzd": null,
  "maximum_nzd": null,
  "minimum_nzd": null
}

"If your Credit Card Account is in credit and it remains in credit after the Cash Advance occurs, the Cash Advance fee will not be charged."

"We do not charge a foreign currency service fee on purchase reversals, ATM reversals and chargebacks. We do not charge a foreign currency service fee if the conversion currency at the point of sale for a purchase using dynamic currency conversion is New Zealand dollars."

"If you always pay the full amount of the 'current balance' shown on your statement by the Last Date for Payment, interest will not be charged on Transactions (including fees and charges on those Transactions), other than on Cash Advances and Balance Transfers as set out in clause 7.2. If you pay less than the full amount of the 'current balance' shown on your statement by the Last Date for Payment, interest will be calculated and charged on the current balance from the opening date of your next statement and on Transactions debited after the opening date of your next statement from the date the Transaction was made."

{
  "percent": null,
  "fixed_nzd": null,
  "maximum_nzd": null,
  "minimum_nzd": null
}

"If your Credit Card Account is in credit and it remains in credit after the Cash Advance occurs, the Cash Advance fee will not be charged."

"We do not charge a foreign currency service fee if the conversion currency at the point of sale for a purchase is New Zealand dollars (i.e. dynamic currency conversion). We do not charge a foreign currency service fee on purchase reversals, ATM reversals and chargebacks."

"If you always pay the full amount of the 'current balance' shown on your statement by the Last Date for Payment, interest will not accrue on the 'current balance'. If you pay less than the full amount of the 'current balance' shown on your statement by the Last Date for Payment, your interest free period will no longer apply to the 'current balance' and any new Transactions you make until the closing date of your next statement period. Interest free periods do not apply to Cash Advances and Balance Transfer amounts."

"Payments to people that have pre-arranged with us to accept Credit Card Account payments through BNZ Phone and Internet Banking Services will be treated as a purchase Transaction. All payments to people that do not have an arrangement with us to accept Credit Card Account payments through BNZ Phone and Internet Banking Services will be treated as a Cash Advance."

"If the dynamic currency conversion Transaction is converted into New Zealand dollars, it is not a Foreign Currency Transaction, and we do not charge you a foreign currency service fee under clause 9.11."

"If you always pay the full amount of the 'current balance' shown on your statement by the Last Date for Payment, interest will not accrue on the 'current balance'. If you pay less than the full amount of the 'current balance' shown on your statement by the Last Date for Payment, your interest free period will no longer apply to the 'current balance' and any new Transactions you make until the closing date of your next statement period. Interest free periods do not apply to Cash Advances and Balance Transfer amounts."

"Some people that you want to pay may have pre-arranged with us to accept Credit Card Account payments through BNZ Phone and Internet Banking Services; payments to these people will be treated as a purchase Transaction. All payments to people that do not have an arrangement with us to accept Credit Card Account payments through BNZ Phone and Internet Banking Services will be treated as a Cash Advance."

"If the dynamic currency conversion Transaction is converted into New Zealand dollars, it is not a Foreign Currency Transaction, and we do not charge you a foreign currency service fee under clause 9.11. Where there is a purchase reversal, ATM reversal or chargeback, we credit the foreign currency service fee back to your Linked Account."