About the credit or debit card surcharge fee

About the surcharge fee for online credit and debit card payments

What is the surcharge fee?

The surcharge fee is a charge for any direct debit and one-off credit or debit card online payment. Visa and MasterCard have a 1% surcharge fee. American Express and JCB have a 2% surcharge fee.

From 13 November 2025 a 1% surcharge fee will apply to Visa, MasterCard, American Express or JCB credit or debit cards when paying by direct debit or one-off payments. This will be added to your total monthly bill and show as a single transaction on your card statement.

The surcharge fee only applies when paying online, it does not apply to in-store payments.

What does it cover?

The fee is the processing costs we incur for direct debit or one-off payment made by credit or debit card payments made online.

What is a one-off payment?

A credit or debit card payment is considered a one-off payment when:

  • It isn’t set up as an automatic recurring monthly payment (Direct Debit).
  • You make a payment online through the My One NZ, on our website, or by calling Customer Care.

It will be considered a one-off payment even if you choose to pay this way each month for one or more accounts.

What is a Direct Debit payment?

A direct debit is a recurring, automatic payment from your credit or debit card which deducts the amount due at the same time every month.

You can set a direct debit set up from your bank account (which avoids the 1% surcharge fee) or from a credit or debit card (which incurs a 1% surcharge fee from 13 November 2025).

Alternative methods to pay

Below are alternate payment methods you can use to avoid the surcharge:

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