The Co-operative Bank Credit Card

The Co-operative Bank is a New Zealand-based bank that provides home loans, debt consolidation, personal loans, credit cards, accounts, insurance and investments.

The Co-operative Bank is a New Zealand bank that is 100% owned by its customers. Founded in 1928, it has operated as The Co-operative Bank since 2011. It offers everything you’d expect from a bank, including accounts, lending, credit cards, insurance, plus great customer satisfaction.

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The Co-operative Bank credit card

The Co-operative Bank only offers one credit card product:

Fair Rate Credit Card

Features:

  • Up to 55 days interest free

Fees and charges:

  • $20 annual fee
  • $30 annual joint account fee
  • Purchase & cash advance interest rate: 12.95% p.a.
  • Balance transfers: 0% p.a. for the first six months

Canstar’s free comparison tool gives you the ability to compare The Co-operative Bank credit card with those from other lenders in the credit card market. For more details, just click on the button below.

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Written by: Caitlin Bingham | Last updated: March 28, 2025