Kiwibank Mastercard Zero
Balance transfer facility	Yes
Balance transfer intro rate	4.99%
Balance transfer intro period	6 mths
When in credit pays interest	No
Minimum fee if minimum payment is not paid by due date	$20
Ongoing fee - subsequent cards	$0
Dishonour of payment to card fee	$0
Network ATM cash advance fee	$2
Branch cash advance fee	$3
Other ATM cash advance fee	$3
International ATM cash advance fee	$6
Credit card foreign currency conversion for purcahses	2.50%