Cards Overview
Help me find the card that's best for me...
Introduction
A credit card or prepaid card can be a good way to manage your money. They’re great
for everyday purchases or buying items over the phone and online.
If you’re not sure which type of credit card you need or whether a prepaid card
is better for your situation – we can talk you through all the options.
Collecting Rewards
Whether you use your card for your morning coffee, petrol or your larger purchases.
A card with a rewards programme is a great way to accumulate reward points on all
your purchases.
CashBack
Calculator
Travelling Overseas
If you’re going on holiday or on your OE, we have a credit card or prepaid card
that suits your needs.
Whether you want to avoid exchange rate fluctuations or you want complimentary Overseas
Travel Insurance** – we can help you find the right solution.
Transferring from Another Bank
Moving your outstanding balance from another bank’s credit card to a National Bank
credit card can save you money.
We offer special Balance Transfer interest rates that can help you pay your credit
card off faster.
Balance Transfer
Low Interest Rates
Help reduce your interest costs by choosing a low interest credit card.
If you don’t think you’ll pay off your credit card balance in full each month, a
card with a low interest rate could save you hundreds of dollars in interest charges.
Credit Cards
Thoroughbred Card
- Earn CashBack Rewards. The rewards program that gives you cash to spend on whatever you like
- Up to 55 days interest-free credit on purchases
- Access to your current account and savings accounts by ATM and EFTPOS
Visa Classic
- Low annual account fee
- Up to 55 days interest-free credit on purchases
- Access to 24 hour emergency assistance when travelling overseas
Low Interest Visa
- Low interest rate of 13.90% p.a.
- Up to 55 days interest-free credit on purchases
- Access to your current account and savings accounts by ATM and EFTPOS
Freestyle
- No annual account fee - unlike most credit cards, you only pay a purchase fee when you use it
- Low interest rate of 16.50% p.a.
- Complimentary Extended Warranty insurance*
Gold Thoroughbred Card
- Earn CashBack Rewards. The rewards program that gives you cash to spend on whatever you like
- Up to 55 days interest-free credit on purchases
- Overseas Travel Insurance cover for you and your family with emergency and traveller benefits**
Visa Gold
- Exclusive Visa Gold benefits
- Up to 55 days interest-free credit on purchases
- Overseas Travel Insurance cover for you and your family with emergency and traveller benefits**
Platinum Visa
- Platinum Rewards
- Up to 44 days interest-free credit on purchases
- Overseas Travel Insurance cover for you and your family with emergency and traveller benefits**
Prepaid Cards
Travel Card
- Preload your foreign currency
- Available in either Euro, British Pounds, Australian Dollars or American Dollars
- Lock in your exchange rate
iCash
- A reloadable prepaid card
- Use your own money to shop with the freedom of a Mastercard
- Set spending and usage limits on your card
Read our disclosure statement.
*Length of extended warranty depends on the length of the manufacturer's warranty.
Conditions and exclusions apply to the extended warranty benefit and can be found
in the Freestyle card's Conditions of Use available at any National Bank branch.
** As long as you meet the eligibility criteria, your cover is provided automatically
when at least half of your prepaid travel expenses are paid for with your Gold Thoroughbred,
Visa Gold card or Platinum Visa. Terms, conditions, exclusions (for example, age
limitations) and eligibility criteria apply for Overseas Travel Insurance. For a
policy document containing full details, please visit any branch of The National
Bank, call the AIG Call Centre on 0800 499 666, or you can view the
policy document online (PDF 206 KB). Overseas Travel Insurance is underwritten
by American Home Assurance Company (New Zealand branch), a member company of the
American International Group, Inc (AIG).