Purple Visa Credit Card Terms and Conditions, Rates and Fees
Rates and Fees
|Purchase interest rate
The interest rate on purchases you make if they are not paid in full by the payment due date.
|Cash advance interest rate
The interest rate on all cash advances in New Zealand or overseas.
Charged when you open your account, which you’ll see on your first statement.
|$55.00 (one off)
Charged on your account anniversary, one year after your account is opened and annually thereafter.
|Additional card fee||$0.00|
|Late payment fee
Charged when your payment is not received by the payment due date.
|Overseas currency conversion fee
Charged on any transaction that is processed in an overseas currency.
|2.00% of transaction|
|Cash advances fee - Domestic ATM
Charged for all cash advances from ATMs in New Zealand (the ATM owner may charge a fee in addition to this).
|Cash advances fee - Overseas ATM
Charged for all cash advances from ATMs overseas (the ATM owner may charge a fee in addition to this).
|Cash advances fee - Domestic over the counter
Charged for all cash advances made over the counter at a bank or financial institution in New Zealand.
|Cash advances fee - Overseas over the counter
Charged for all cash advances made over the counter at a bank or financial institution overseas.
|Paper Statement fee|
A fee applies for sending your monthly statement by post. Opt in to receive online statements through eMoney to avoid this fee.
|$1.00 per statement|
|Copy of statement fee
Charged when you request a copy of any previous statement be sent to you via the post (previous statements can be viewed on eMoney free of charge).
|Replacement card fee
Charged when you request the replacement of any card that has been lost or damaged
|Disputed transaction fee
Charged on any disputed transaction when after investigation it is established that you are responsible for the transaction.
|Over the counter fee per transaction
(Only available at NZ Post)
Charged per transaction for every payment made over the counter at NZ Post branches only. This fee won’t display on your statement