Debit Mastercard
Our Debit Mastercard gives you access to spend your own money, in person, online and overseas.
Key features
- First-year annual fee waived
Pay no annual fee for your first year — $10 annual fee applies thereafter.
- Use it anywhere Mastercard is accepted
A simple, convenient way to shop and access your money — in person, online, or while travelling.
- Tap to pay
Tap to pay with Apple Pay and Google Pay plus make contactless purchases with Tap & Go™.
- Built-in security
Benefit from Mastercard's 24/7 transaction monitoring, an advanced encryption chip, and Mastercard ID Check for extra peace of mind.
Fair Rate Credit Card
Our credit card offers a fair interest rate, and you can transfer your balance from another credit or selected store cards and pay 0% p.a. interest for the first 6 months. After 6 months, a floating rate of 12.95% p.a. applies to any remaining transferred balance.
Key features
- $20 annual fee
A low annual fee - charged in two six-monthly instalments.
- 12.95% p.a. interest
One fair rate for both purchases and cash advances.
- Up to 55 days interest-free on purchases
- Shop anywhere Mastercard is accepted
Use your card at ATMs, in-store, online, over the phone, and overseas.
- Tap to pay
Tap to pay with Apple Pay and Google Pay plus make contactless purchases with Tap & Go™.
- Built in security
Benefit from Mastercard's 24/7 transaction monitoring, an advanced encryption chip, and Mastercard ID Check for extra peace of mind.
EFTPOS card
Key features
- No annual card fee
- Spend your own money
Use your card for everyday purchases and ATM withdrawals, both in New Zealand and overseas.
- PIN protection
Your card is secured with a unique PIN to help keep your money safe.
Better by design — we’ve refreshed our card designs
We’ve improved our card designs with more modern branding and practical features to help all of our customers to bank better. Discover some of the new features below..
Bold new design
Making them easier to find when you need them.
Flat card number
All card details are now on the back making it easier to read and access.
Improved accessibility
Braille and unique notches in each card design to help identify cards with just a touch and make it easier to identify orientation of their card for people with visual impairments.
Made with recycled plastic
Crafted from 97% recycled PVC, as part of our commitment to a more sustainable future and another way that we are showing our commitment as a B Corp™ organisation.
Making your wallet wallet-less
Apple Pay
Apple Pay is an easy, secure and private way to pay - in-store, online and even in your favourite apps. Now available with any Debit Mastercard and Fair Rate Credit Card on your iPhone, Apple Watch, iPad and Mac.
Google Pay
Pay on websites, in apps, and in-store, with any Co‑operative Bank Mastercard and Android device. It brings together everything you need at checkout and protects your payment information with built-in security, like fraud alerts, and encryption when paying online to help keep your payment info and account safe.
0% Balance transfer
With our Fair Rate Credit Card balance transfer - Get 0% p.a. interest for 6 months on balances transferred from another bank credit card or selected store card to our Fair Rate Credit Card.
$20 annual fee. Other interest rates, lending criteria, Terms and Conditions (including balance transfer terms) and fees apply. Rates are subject to change. Any unpaid balance transfer amount at the end of the 6-month period will be treated as a purchase from that date.
Apply nowCards help and support
If your card is lost or stolen call us on 0800 554 554 or on +64 9 526 2426 from overseas.
You can also find helpful cards related topics in our Help & support hub. Here are some of the things you will find there.
- Temporarily blocking your card
- Managing your Fair Rate Credit Card
- Disputing a transaction - Debit Mastercard and Fair Rate Credit Card
Card security
24/7 monitoring
With our Debit Mastercard and Fair Rate Credit Card, benefit from Mastercard's 24/7 transaction monitoring, an advanced encryption chip, and Mastercard ID Check for extra peace of mind. The Mastercard Zero Liability Policy**, also helps protecting you from unauthorised transactions.
Block & replace
Can't find your card? You can temporarily block your Co-operative Bank cards in both our mobile app and internet banking. Learn how here.
If your card has been lost or stolen, or someone else has learned your PIN, report your card as lost or stolen immediately.
More secure online shopping
Mastercard ID Check provides an extra layer of security that helps give us more confidence that it's actually you using your card online.
Important information
Fair Rate Credit Card
Interest rates and fees are subject to change. For full terms and conditions for this credit card, see the Conditions of Use and Fees & Rates brochure.
Fair Rate Credit Card is available to customers 18 years or older, who are currently living in New Zealand and are either New Zealand citizens or permanent residents.
Debit Mastercard
Download the Debit Mastercard User Guide and Terms & Conditions.
*First year of your first card free, charged annually thereafter on the date the card was issued.
General
**The Mastercard Zero Liability Policy details can be found here.
Learn about an extra layer of security called Mastercard ID Check.
Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
Google Pay and Google Wallet are a trademark of Google LLC.
The Co-operative Bank Apple Pay Conditions of Use apply when you use your card in Apple Pay.
Merchant and other surcharges may apply for contactless transactions. Apple Pay, Apple Wallet, iPhone and Apple Watch are trademarks of Apple Inc., registered in the U.S. and other countries. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.