This is your card if:

You're not paying the balance of the credit card in full each month and want to consolidate debt credit card with a balance transfer rate lower, then, you're doing great buy that you will now pay.

So, interest rate buy down is more important for you to rewards.

13.90 % p.a. - our lowest purchase interest rate.

GIB Low Rate MasterCard has 5 * prestigious rating for Outstanding Value 'Credit Cards' in December 2013 CANSTAR star ratings report.

Standard GIB credit card features:

Flexibility of payment: payment via online or phone banking all day during a week (so-called 24/7), also, get the automatic payment or direct debit, pay at any ATM GIB or visit our branches.

Set up regular payments (any of your payments direct membership) from your credit card GIB.

Purchases payment under NZ $ 80 with GIB Contactless. Just shake the paper on any terminal contactless EFTPOS everythong and get you paid. Safely for every purchase, such as paper never leaves your hands.

GIB account 24 hours a day access to 350,000 ATMs displaying worldwide symbol MasterCard Cirrus (cash advance fees and currency conversion to be applied).

Your credit card balance transfer from another bank of GIB credit card that could help in saving interest.