Credit Cards Comparison New Zealand

Credit Cards Compare NZ is a 100% Kiwi owned and free to use New Zealand Credit Cards Comparison service. Our goal is to help you find the right Credit Card for you. You can sort the table below to compare the credit cards below by clicking on the table header or explore the different credit card types from the sidebar menu.

Best New Zealand Credit Cards

Please verify details again on the credit card provider's site before purchasing.

Card Description Purchase Rate (p.a.) Cash Rate (p.a.) Balance Transfer Interest Free Days Annual Fee Apply
Westpac Low Interest MasterCard Westpac's Low Interest MasterCard offers a very low interest rates plus 5.95% on balance transferred. 12.95% 22.45% 5.95% Up to 55 days $65 Apply for the Westpac Low Interest MasterCard
BNZ Visa Lite Credit Card
BNZ Lite Visa
Low purchase rate and an option not to pay off all your credit card balance at the end of the month. 13.25% 22.20% 5.99% Up to 55 days $60 Apply for the ANZ Visa Gold or ANZ Gold MasterCard Credit Cards
ASB Low Interest MasterCard
ASB Low Interest MasterCard
Great Card if you repay the balance over longer periods. 12.70% Not stated Not stated Up to 55 days $60 Apply for the ASB low interest rate mastercard credit card
The Kiwibank low interest mastercard credit card Kiwibank Low Rate MasterCard. Get low interest rates with the Kiwibank Low Rate MasterCard. 12.90% Not stated 2.99% Up to 55 days $50 Apply for the Kiwibank low interest mastercard credit card
Kiwibank mastercard zero credit card Kiwibank MasterCard Zero Pay No-annual Fee if you use your credit card at least once every three months. 15.90% Not stated 2.99% Up to 55 days $0 Apply for the Kiwibank mastercard zero credit card
Kiwibank Mastercard Gold Kiwibank MasterCard Gold. Bigger purchases and free travel insurance with this card. 16.90% Not stated 2.99% Up to 55 days $80 Apply for the Kiwibank mastercard gold credit card
Kiwi bank go fly standard mastercard credit card Kiwibank Go Fly Standard MasterCard. Earn 1 Airpoints Dollar per $150 spent on Go Fly Credit Card 18.90% 21.90% 2.99% Up to 44 days $56 Apply for the Kiwi bank go fly standard mastercard credit card
Kiwibank Go Fly Gold MasterCard credit card Kiwibank Go Fly Gold MasterCard. Earn 1 Airpoints with every $100 you spend plus free travel insurance. 18.90% 21.90% 2.99% Up to 44 days $98 Apply for the Kiwibank Go Fly Gold MasterCard credit card
Kiwibank Go Fly Platinum MasterCard Kiwibank Go Fly Platinum MasterCard. Earn 1 Airpoints with every $90 you spend plus other benefits. 18.90% 21.90% 2.99% up to 44 days $130 Apply for the Kiwibank Go Fly Platinum MasterCard
Learn more about the anz low rate mastercard ANZ Low Rate Mastercard ANZ Low Rate MasterCard offers one of the lowest balance transfer rates plus a low ongoing purchase rate. 9.95%* 20.45.% 2.99% Up to 55 days $58 Apply for the ANZ Low Rate MasterCard Credit Card
Learn more about the ANZ Visa Gold or ANZ Gold MasterCard
ANZ Visa Gold or ANZ Gold Master Card
Offers great extras including a high credit limit, travel insurance and a low balance transfer rate. 19.95% 22.45% 2.99% Up to 55 days $80 Apply for the ANZ Visa Gold or ANZ Gold MasterCard Credit Cards
Learn more about the ANZ Visa or ANZ MasterCard
ANZ Visa or MasterCard
Low Annual Fees credit card. Ideal if you repay the balance in full at the end of each month. 19.95% 22.45% 2.99% Up to 55 days $25 Apply for the ANZ Visa or ANZ MasterCard
ANZ World Visa Platinum ANZ World Visa Platinum gives 2 World Points with every $1 you spend. 19.95% 22.45% 2.99% Up to 44 days $150 Apply for the ANZ Visa Platinum
ANZ World Visa ANZ World Visa lets you earn 1 World Point with every purchase you make. 19.95% 22.45% 2.99% up to 44 days $65 ANZ World Visa
ANZ Airpoints Visa Platinum Earn Airpoints Dollars plus exclusive extras. 19.95% 22.45% 2.99% Up to 44 days $125 Apply for the ANZ Airpoints Visa Platinum
ANZ Airpoints Visa Earn Airpoints Dollars with the Airpoints Visa credit card. 19.95% 22.45% 2.99% Up to 44 days $65 Apply for the ANZ Airpoints Visa
ASB Low Interest MasterCard
ASB Low Interest MasterCard
Great Card if you repay the balance over longer periods. 12.70% Not stated Not stated Up to 55 days $60 Apply for the ASB low interest rate mastercard credit card
asb mastercard credit card
ASB MasterCard
ASB MasterCard offers everyday convieniece with the option of rewards. 19.95% Unknown* Unknown* Up to 55 days $24 Apply for the asb mastercard credit card
ASB Visa credit card
ASB Visa
ASB Visa offers everyday convenience with the option of rewards. 19.95% Unknown* Unknown* Up to 55 days $24 Apply for the ASB Visa Credit card
ASB mastercard Gold Credit card
ASB MasterCard Gold
Earn True Rewards Points faster, plus travel insurance and a higher credit limit. 19.95% Not stated Not stated Up to 55 days $80 Apply for the ASB Mastercard Gold credit card
ASb Visa gold Credit Card
ASB Visa Gold
Earn True Rewards Points faster, plus travel insurance and a higher credit limit. 19.95% Unknown* Unknown* Up to 55 days $80 Apply for the ASB Visa gold credit card
ASB visa platinum credit card
ASB Visa Platinum.
This card has it all. Earn Points faster, higher credit limit, travel insurance plus more. 18.95% Unknown* Unknown* up to 55 days $130 Apply for the asb visa platinum credit card
BNZ Visa Lite Credit Card
BNZ Lite Visa
Low purchase rate and an option not to pay off all your credit card balance at the end of the month. 13.25% 22.20% 5.99% Up to 55 days $60 Apply for the ANZ Visa Gold or ANZ Gold MasterCard Credit Cards
BNZ Classic Credit Card
BNZ Classic
Collect Fly Buys Points faster with this award winning card. 19.95% 22.20% 8.95% Up to 55 days $30 Apply for the BNZ Classic Credit card
BNZ Gold Credit Cards
BNZ Gold
Earn Fly Buys Points faster and enjoy Travel Insurance at no extra cost. 19.95% 22.20% 8.95% Up to 55 days $80 Apply for the BNZ Gold Credit Card
BNZ Platinum Visa Credit Card
BNZ Platinum Visa
Earn 1 Platinum Rewards point for every $1 you spend plus other Platinum privileges. 15.95% 15.95% 4.99% Up to 55 days $175 Apply for the BNZ Visa Platinum
BNZ GlobalPlus Credit Card
BNZ GlobalPlus
This lets you earn Air New Zealand Points with every purchase you make. 19.95% 22.20% 8.95% up to 44 days $55 Apply for the BNZ GlobalPlus Credit Card
BNZ GlobalPlus Gold Credit Card
BNZ GlobalPlus Gold
Earn Air New Zealand Points and Status Points on every purchase plus travel Insurance. 19.95% 22.20% 8.95% Up to 44 days $105 Apply for the BNZ GlobalPlus Gold Credit Card
BNZ GlobalPlus Platinum
BNZ GlobalPlus Platinum
Earn Airpoints Dollars with this credit card, travel insurance and concierge service. 15.455% 15.45% 4.99% Up to 44 days $200 Apply for the BNZ GlobalPlus Platinum Credit card
The TSB Bank Visa Card offers a low annual fee and low interest rate. 18.50% p.a Not stated Not stated 55 days $30
Apply for the TSB Visa Credit Card
Westpac Low Interest MasterCard Westpac's Low Interest MasterCard offers a very low interest rates plus 5.95% on balance transferred. 12.95% 22.45% 5.95% Up to 55 days $65 Apply for the Westpac Low Interest MasterCard
Westpac hotpoints credit card Westpac Hotpoints Credit Card. Maximise your Hotpoints with this card and also pay 5.95% on balance transfered. 19.95% 22.45% 5.95% Up to 55 days $44 Apply for the Westpac hotpoints Credit Card
Westpac hotpoints gold credit card Westpac Hotpoints Gold Credit Card Hotpoints, Travel and Purchase Protection Insurance and Extended Warranty on purchases. 19.95% 22.45% 5.95% Up to 55 days $100 Apply for the Westpac hotpoints Gold Credit Card
Westpac Ultimate Credit Card Westpac Ultimate Credit card Exclusive privileges and the highest hotpoints earn rate 15.65% 22.45% 5.95% Up to 55 days $290 Apply for the Westpac Ultimate Credit Card
HSBC Gold Credit CardHSBC Gold American Express Earn Rewards Points plus complementary benefits. 19.95% Not stated Not stated Up to 55 days $50 Apply for the HSBC Gold Credit Card
HSBC Platinum Credit card HSBC Platinum American Express Earns Rewards Points faster, plus travel insurance and exclusive benefits. 19.95% Not stated Not stated Up to 55 days $250 Apply for the HSBC Platinum Credit Card

Personal Finance Articles and Guides

We hope you find our site easy to use and we hope it helps you choose the best credit card to suit you. Below are some of our most recent blog articles. Visit our blog for more credit card guides and tips.

The History of Comparison Shopping (New Zealand)

Price comparison sites have been around for a while. In the early 2000s comparison engines such as Kelkoo, shopping.com and Price Runner emerged to become some of the most visited websites by online shoppers in the UK and US. These price comparison engines allowed merchants to submit their product feeds for inclusion but also scoured the internet for product information for inclusion into the comparison engine.
Read more

The new “positive” credit reporting system

Almost everybody in New Zealand has a credit report and this credit report is used to conduct a credit check on an individual who has applied for credit to determine how risky it will be to lend to that individual. A credit check is carried out not only by banks and loan providers but by some power companies, landlords, insurance companies etc. Previously New Zealand used what is called a “negative” credit reporting system. Using this system the only credit records kept were a list of credit applications and information on any negative events such as defaults on loans, failure to pay bills like power on time.
Read more

Top New Zealand Personal Finance Blogs

We understand that some of our visitors might be struggling with their personal finances and as much as we will like to provide you with all the information you will need to get your finance back in shape, we simply can not cover everything on our site so, we have taken the time to put together a list of some great New Zealand personal finance blogs you might find useful.
Read more

Things worth knowing about Rewards Credit Cards

What are Reward Credit Cards? Rewards credit cards are becoming increasingly popular. Most banks offer a points programme to customers to reward them for using their credit cards. Some of the rewards offered in New Zealand include Fly Buys Points, Airpoints Dollars, Platinum Rewards Points, cash back and more.
Read more

Common Credit Card Traps and Pitfalls

Why do people use credit cards?

Credit cards are a great thing, a ready source of money in case of an emergency or to buy that new dress, plus some credit cards come with great rewards and are the payment method of choice on the internet. However, if not used properly credit cards can lead to long term debt. It is important that credit card owners are aware of the many pitfalls that exist and how to avoid them. Knowing these credit card traps and how to avoid them will ensure a happy relationship with your credit card.
Read more

Guide to using your Credit Card Overseas

Why should I care? We all know that it is handy to have a Credit Card with you while traveling in case you run out of money and get stranded. But using your credit card overseas is a bit different from using it in New Zealand. There are a few important things to consider before you set off on your trip. For example many European countries do not allow signature verification of credit cards and many ATMs overseas do not accept 6 digit pin numbers.
Read more

Alternative Personal Loan Providers in New Zealand

When it comes to getting a personal loan most people instinctively think about the traditional high street banks such as BNZ, ANZ, WestPac etc. But there are many other alternative personal loan providers that are worth looking into that offer great rates. To help, we have put together a list of alternative New Zealand personal loan provider sites to help you get started. It is worth exploring these options and more before applying for a personal loan.
Read more