Topic
NZ credit card fees — annual, late, replacement, supplementary
Beyond the annual fee, NZ credit cards levy a range of charges: late-payment, replacement-card, supplementary-card, statement-copy, cash-advance, foreign-transaction. The snapshot below pulls each card's published schedule.
Snapshot generated Invalid Date · 38 matching cards · CCCFA-safe (no rankings, no "best for X" claims).
CCCFA disclosure requirements
The Credit Contracts and Consumer Finance Act 2003 requires every issuer to publish a complete fee schedule before you sign. Each card we list links to the issuer's Conditions of Use document — that is the binding source for fee amounts.
Why fees change
Issuers can change fees with notice (typically 30 days) under their Conditions of Use. Our snapshot reflects the most recent T&C ingest — see the "Last ingested" date on each card's review page. We enforce a 36-month freshness cap; older T&Cs are excluded.
Fee categories you may encounter
Standard categories: annual card fee, supplementary/additional card fee, late-payment fee, replacement-card fee, statement-copy fee, dispute-resolution fee, dishonoured-payment fee, over-limit fee, foreign-transaction fee (% on FX purchases), cash-advance fee (flat + %). Not all issuers charge all categories.
Frequently asked questions
Why isn't the late-payment fee shown for every card?
When we haven't yet ingested the card's Conditions of Use, the fee shows "Not in T&C". The data layer relies on T&C ingest; cards with source-tier C (editorial registry) carry fewer structured facts.
Can issuers change fees without notice?
No — CCCFA requires advance written notice of changes to fees. The notice period varies but is typically 30 days. The issuer's Conditions of Use document the notice mechanism.
Are GST or other taxes included in fees?
Most published credit-card fees are GST-inclusive. Some merchant-side charges (e.g. surcharge fees passed on by merchants) may be GST-exclusive. Refer to the issuer's disclosure.
Methodology & source-tier system
Every fact carries a source-tier badge: A = verbatim issuer T&C PDF · B = issuer website · C = editorial registry · D = third-party.
This page is informational only — not financial advice. Approval, credit limit, and pricing decisions sit with each issuer under CCCFA and the Responsible Lending Code.