Bank Direct

About Bank Direct

BankDirect is a registered credit provider and now offers the BankDirect Low Interest Visa card that offer clients competitive rates, flexibility, interest-free period credit cards.

You will earn interest on credit balances, not to mention the new-look of the visa cards, which is an attractive design. Clients receive 1,00% interest per annum on credit balances.

Link your accounts

You can also link your BankDirect Low Interest Visa to your other BankDirect accounts, which allows you to use one card for everything. We are centred on offering the most convenient services for you.

Choose your payment terms

Clients are permitted to pay the minimum fee or to settle the account or an amount in between but flexibility is something we strive for.

Additional cardholders and 24-hour card replacement are only some of the features available with BankDirect Low Interest Visa.

What Bank Direct can offer you

BankDirect Low Interest Visa is one of the best credit options for New Zealand residence and we offer our clients a variety of services and benefits to suit you.

$1 000 cash advance per day 

Clients are eligible for cash advance for credit and EFTPOS purchases. Terms and conditions apply.

What’s more is that you can draw money from over 1200 ATMs available in New Zealand. You can also use your BankDirect Low Interest Visa all over the world.

55 days interest free

Enjoy the 55 days interest-free period. You never have to pay interest for purchases again. We only charge interest for failed payments. You will save more money to spend on the things that matter to you.

Should you require a card replacement, whether in NZ or abroad, we offer a 24-hour card replacement option. Various payment options such as automatic payment, cheque or internet banking are available. Easy online credit application makes it easy for you to apply tpday!

In a Nutshell

  •  Available cards
    • Bank Direct Low Interest Visa
  •  Rewards
    • No interest for up to 55 days
    • 24-hour card replacement period
    • Cash advance option
    • Worldwide use
    • Interlinked accounts
    • Card management options
    • Earn interest on credit balances
  •  Interest ranges 13.60%
  •  Interest-free purchase periods 55 days
  •  Annual fee ranges $30 every 6 months
  •  Interest rate 13.60% per annum

How to apply for a credit card with BankDirect Low Interest Visa?

Apply for your BankDirect Low Interest Visa online or visit your nearest store.op

Safe, secure payment option

Credit cards offer a safe, convenient way, in which you can safely and securely pay your bills and make purchases. As the there is no interest charged up to 55 days, you are not paying additional costs. It offers you a safe and convenient way to settle all your bills.

All BankDirect accounts can be linked, which is just another way we are trying to make your life easier.

Manage your credit card

Managing your card is hassle-free and flexible. You have the option of our online banking service, which allows you to view statements, transfers and apply for credit limit increases. Alternatively ATMs offer similar services.

Telephone banking is an option should you wish to speak with a consultant directly. 

Lending requirements, terms and conditions do apply.

Eligibility & Requirements

  •  18 years or older
  •  NZ resident
  •  Employed full-time
  •  Earning a stable income
  •  Good credit history
  •  Active NZ bank account
  •  Recent pay slips
  •  Employer to confirm employment

Other Products & Services

  • General banking
  • Credit cards
  • Personal loans

Contact Details

 Visit Website Apply Directly


 Postal Address

  • Freepost 96856, BankDirect, PO Box 35, Shortland Street, Auckland, 1140, New Zealand