Freestyle is a MasterCard with a revolving credit limit and an interest rate that is lower than many other credit cards or hire purchase agreements. It's ideal for purchasing big-ticket items and gives you the power of a loan that's ready when you are.

No annual account fee - unlike most credit cards, you only pay a $5 purchase fee when you use it (capped at $10.00 per statement month).

When you make a purchase with your Freestyle card you'll automatically receive Extended Warranty cover, which will either double the original manufacturer's warranty or extend it by up to 24 months (depending on the length of the manufacturer's warranty).

Flexibility - draw up to your credit limit whenever you like. As long as you repay the minimum amount each month, you can repay as much or as little as you choose.

The power of a cash buyer. By making a cash advance at an ATM on your Freestyle card you'll be in a far stronger position to negotiate a better deal for yourself.

National Bank Global Services - exclusive access to 24 hour emergency assistance when travelling overseas.

24 hour, 365 day access to funds through ATMs and MasterCard merchants, in New Zealand and overseas.

Convenient payment options. You can choose to pay by direct debit, automatic payment, Online Banking, by mail or at any National Bank branch. You can also set up a bill payment to your credit card through Online Banking.