Bank New Zealand Amex Gold Everyday
Balance transfer facility	Yes
Balance transfer intro rate	8.95%
Balance transfer intro period	6 mths
When in credit pays interest	No
Minimum fee if minimum payment is not paid by due date	$25
Ongoing fee - subsequent cards	$25
Dishonour of payment to card fee	$10
Network ATM cash advance fee	$1
Branch cash advance fee	$5
Other ATM cash advance fee	$1
International ATM cash advance fee	$8
Credit card foreign currency conversion for purcahses	2.25%