The Cooperative Bank Credit Card

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

The Cooperative Bank is a New Zealand bank that is 100% owned by its customers. Founded in 1928, it has operated as The Cooperative Bank since 2011. It offers everything you’d expect from a bank, including accounts, lending, credit cards, insurance, plus great customer satisfaction. The Cooperative Bank is the 2021 winner of Canstar’s Most Satisfied Customers | Banking Award.

The Cooperative Bank credit card

The Cooperative Bank only offers one credit card product:

Fair Rate Credit Card


  • Up to 55 days interest free
  • 0% p.a. for six months on balances transferred from another credit card or store card

Fees and charges:

  • $20 annual fee
  • Purchase & cash advance interest rate: 12.95% p.a.


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

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The Cooperative Bank Credit Card

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Award: Outstanding Value Credit Cards Star Rating

Low Rate

Fair Rate Credit Card

View the 2022 Credit Cards Star Ratings Report

Written by: Andrew Broadley | Last updated: January 26, 2022