We’ve compiled a list of all Credit Cards in New Zealand below to help you compare and find the best credit card in NZ to suit your needs including rewards credit cards, frequent flyer credit cards, interest free credit cards, travel credit cards and more. Compare credit cards in NZ below to find the best credit card for you!
Updated: 3 Dec, 2024
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Card | Description | Purchase Rate (p.a.) | Balance Transfer | Cash Rate (p.a.) | Annual Fee | Interest Free Days |
---|---|---|---|---|---|---|
The American Express Airpoints Credit Card
Platinum Award | Interest Free (0% P.A.) on purchases for the first 6 months, plus NO ANNUAL FEE and earn 1 Air New Zealand Airpoints Dollar for every $100 you spend. CURRENT OFFER: 50 bonus Airpoints Dollars™ when you apply, are approved and spend $750 on your new Card within the first 3 months. New Card Members only. Reward Points Cash Equivalent: $100 spend earns $1.00 cash equivalent^. | 0% p.a. for 6 months then 22.95% p.a. | N/A | 22.95% p.a. | $0.00 | 55 days
More Info »
Apply Now » No documents required to apply1 |
The American Express Airpoints Platinum Card
Platinum Award | The FASTEST Airpoints DollarTM earning Platinum Credit Card in NZ. Every $70 you spend earns you 1 Airpoints Dollar. This cards also comes with:
Reward Points Cash Equivalent: $100 spend earns $1.42 cash equivalent^. | 22.95% p.a. | N/A | 22.95% p.a. | $195.00 | 55 days
More Info »
Apply Now » No documents required to apply1 |
The American Express Gold Rewards Credit Card
Platinum Award | Amex's FASTEST earn rate credit card in NZ. Get 2 points per $1 spent with this award-winning Membership Rewards programme. CURRENT OFFER: Get $200 back* (Statement Credit). *Apply online, be approved and spend $1,500 on your new Card within the first 3 months. New Card Members only. T&Cs apply. Reward Points Cash Equivalent: $100 spend earns $1.25 cash equivalent^. | 22.95% p.a. | N/A | 22.95% p.a. | $200.00 | 55 days
More Info »
Apply Now » No documents required to apply1 |
ASB Visa Light Credit Card
Gold Award | The ASB Visa Light credit card has no annual fee, a low purchase rate and 0% balance transfer for 6 months plus 0% p.a. for 6 months when you spend $1,000 or more on any single eligible purchase | 13.5% p.a. | 0% p.a. for 6 months | 22.95% p.a. | $0.00 | 55 days
More Info »
Apply Now » |
Westpac Fee Free MasterCard Credit Card
Platinum Award | Comes with a low rate of just 12.90% p.a. plus 5.95% p.a. for the life of the balance transferred to this card. it also comes with no annual fee, no cash advance fee and no foreign transaction fees. | 12.90% p.a. | 5.95% for life of balance transferred | 19.95% p.a. | $0.00 | 55 days
More Info »
Apply Now » |
Amex Low Rate Credit Card
Gold Award | A low interest card from Amex with up to 4 supplementary cards with no-annual fee | 2.99% p.a. for 6 months then 12.69% p.a. | N/A | 21.95% p.a. | $59.00 | 55 days
More Info »
Apply Now » |
ANZ Low Rate Visa Card
Gold Award | Features a low interest rate of 13.90% and a balance transfer rate of 1.99% for 24 months | 13.90% | 1.99% p.a. for 24 months | 20.95% | $0.00 | 55 days
More Info »
Apply Now » |
Co-operative Bank Fair Rate Credit Card
Gold Award | The Fair Rate Credit Card has a very low purchase rate of 12.95% p.a. plus a balance transfer rate of 0% p.a. for 6 month. This might be a good card if you are looking for a credit card with a low interest rate and/or a card with a 0% p.a. balance transfer offer. | 12.95% p.a. | 0% p.a. for 6 months | 12.95% p.a. | $20.00 | 55 days
More Info »
Apply Now » |
BNZ Lite Visa Credit Card
Gold Award | BNZ Lite Visa Credit Card is a low interest rate credit card with a purchase rate of 13.50% p.a. | 13.50% p.a. | N/A | 22.95% p.a. | $10.00 | 55 days
More Info »
Apply Now » |
Flight Centre Mastercard Credit Card
Gold Award | Earn 1.5 Flight Centre Reward for every NZ$100 you spend on a Purchase and 3 Flight Centre Reward points if purchased from Flight Centre. Flight Centre Mastercards has a $50 annual fee and a $55 establishment fee on your first purchase using Long Term Finance. This card charge no foreign transaction fees. The establishment fee reduces to $35 for subsequent Long Term Finance Purchases. Reward Points Cash Equivalent: $100 spend earns $0.66 cash equivalent^. | 24.99% | N/A | 26.99% | $50.00 | Up to 44 days
More Info »
Apply Now » |
Kiwibank Air New Zealand Airpoints Low Fee Visa Credit Card
Gold Award | Earn 1 Airpoints Dollar™ for every $200 spent on eligible purchases. Reward Points Cash Equivalent: $100 spend earns $0.50 cash equivalent^. | 16.90% p.a. | 1.99% p.a. for 6 months | 16.90% p.a. | $50.00 | 44 days
More Info »
Apply Now » |
BNZ Advantage Visa Platinum Credit Card
Gold Award | Spend $1 and get 1.67 BNZ Points. The BNZ Advantage Platinum Visa Card also comes with a 90 days platinum International Leisure Travel Insurance and Domestic rental and vehicle excess insurance. Reward Points Cash Equivalent: $100 spend earns $1.11 cash equivalent^. | 18.95% | N/A | 18.95% | $90.00 | 55 days
More Info »
Apply Now » |
Westpac Hotpoints World MasterCard Credit Card
Gold Award | Earn 2 hotpoints for every $1 spent on your card up to (and including) $15,000 then 1 hotpoint for every $1 spent on your card each month. Plus Priority Pass lounge access to over 1,500 airport lounges around the world and overseas travel insurance for up to 120 days per round trip. Reward Points Cash Equivalent: $100 spend earns $1.11 cash equivalent (for up to $15,000 spend)^. $100 spend earns $0.55 cash equivalent (for over $15,000 spend)^. | 16.95% p.a. | 5.95% for life of balance transferred | 22.95% p.a. | $285.00 | 44 days
More Info »
Apply Now » |
^ To help you compare reward points across different credit cards and rewards programs, we provide an estimate of the cash-equivalent of the reward points that you will get back for every $100 you spend on eligible purchases with your card. The cash equivalent value given is an estimate only based on a specific redemption example. In some cases you might earn less or more depending on how you redeem your ponts and some reward points cannot be redeemed for cash directly. Click on the card to find out how the estimate was calculated.
Credit Cards Compare is a Credit Card Comparsion website dedicated to comparing New Zealand credit cards from All the Big Banks and more to help Kiwis make an informed decision and find the best credit card in NZ to meet their needs. If you are interested in a particular type of credit card such as Rewards Credit Cards in NZ, Airpoints Credit Cards, Interest free credit cards or even our selection of the best credit cards in nz use the drop down menue above to narrow down your search.
A credit card is an unsecured line of credit which is usually issued in the form of a small plastic card (a credit card) that can be used for making payments in-store or online. Credit cards can also be loaded onto devices such as phones or smartwatches to be used for payment instead of the standard plastic credit card.
A credit card is a convenient way of borrowing money as it provides you with an unsecured line of credit which is available to you when you need it. And since a credit card loan is an unsecured loan, it means you do not have to put up anything as security against the loan unlike a home loan or car loan.
Credit cards can help you manage short term cash-flow problems by allowing you to quickly and easily borrow money for short term use.
A standard plastic credit card is a small plastic card that can easily fit in a wallet and includes the credit card details such as the card holder’s name, the credit card number, credit card expiry date, card issuer, CVC number (on the back) and other encoded information on a computer chip or magnetic strip as shown below.
A credit card comparison is website is a website that allows users to easily compare and choose a credit card that best suits their need. Credit card comparison websites pull information from several sources and therefore make shopping for a credit card a lot easier.
Here at Credit Cards Compare NZ, we believe a credit card can be a useful financial tool if used wisely but picking a card that is right for you can be challenging, especially if you aren’t aware of all the options available. It can also be hard at times to find the key information about a credit card even on the credit card provider’s website. We created this credit card comparison website to help simplify the process of shopping for a credit card in New Zealand by allowing you to compare credit card options from multiple providers all in one place.
To speed up the loading of our website only a few credit cards are loaded on this page by default. Click on the “Load more cards” button below the credit cards table (if you haven’t already) to load all the credit cards on our website to compare and find the best credit card NZ for you. Alternatively, you can use our credit card finder tool to find the best credit card to suit your needs.
If you know the type of credit card you are looking for, then the best place to start is to select the type of credit card from the drop down menu at the top of this page to narrow down your search.
We are an absolutely FREE New Zealand credit cards comparison website. Each year we help tens of thousands of Kiwis find the best credit card in NZ to suit their needs.
Credit cards can be a great financial tool if used wisely. It is important to choose a credit that suits your personal circumstance, but choosing the right credit card can be difficult if you do not know what the options are. It is also at times difficult to find the relevant information you need on the credit card provider’s website.
We created Credit cards compare NZ, often also referred to as Credit cards NZ or Credit card NZ, to simplify the process of shopping around for credit cards in NZ, and to help Kiwis easily compare New Zealand credit cards all in one place.
Below are some of the questions we get asked frequently about New Zealand credit cards and our website in general.
Our credit card comparison website offers convenience, choice, and information – it’s that simple!
Balance transfer credit cards allow you to transfer your existing credit card debt to a new credit card and repay over 6 to 24 months at a much lower rate of usually between 0% to 5%. If you have a sizeable credit card debt, then a balance transfer credit card might be suitable for you as credit card balance transfer offers can give you the reprieve you need to get your finances back in order.
Some balance transfer credit cards offer 0% on balance transfer for up to 12 months, while others might offer a slightly higher rate for a much longer period. If you are interested in a balance transfer credit card, visit our balance transfer credit cards page to review and compare New Zealand credit card balance transfer offers.
Low rate credit cards are credit cards with relatively low purchase rates of usually 15% or below per annum.
A low rate credit card might be suitable for you if you do NOT intend to pay off your credit card debt on time or intend to incur a significant credit card debt in the future. Low interest rate credit cards do not usually come with much extra benefits or rewards though, and they tend to incur an annual fee (with a few exceptions). If you are interested in a low rate credit card, visit our low rate credit cards page to review and compare low rate credit cards in NZ.
The best way to take advantage of credit cards is perhaps with a rewards credit card — provided you are able to pay off your credit card debt on time to avoid the interests.
Reward credit cards offer rewards and/or other benefits to users for using their card. These rewards/benefits can range from rewards points, free travel insurance, free airport lounge access, free purchase protection, cash backs, airpoints, flybuy points and more.
If you plan to use your credit card often, and have no problem paying off your credit card balance, then a rewards credit card might be suitable for you. If you are interested in a reward credit card, please visit our rewards credit cards page to review and compare reward credit cards in NZ.
Interest free credit cards are credit cards with 0% purchase rates for an initial period of usually between 6 to 12 months, after which, the normal interest rate applies. Interest free credit cards also tend to offer 0% interest on any balance transferred to the card during the interest free period.
The name “Interest free credit card” can be misleading as it appears to suggest that the credit card does not ever incur interest, but that is not the case, the interest free rate only applies for a fixed period.
An Interest free credit card might be suitable for you if you intend to make a few purchases in which you do not wish to pay for upfront for a few months, but you expect to pay back before the interest free period lapses. If you are interested in an Interest free credit card, you can visit our interest free credit cards page to review and compare Interest Free credit cards in NZ.
A “Free credit card” either refers to a no-annual fee credit card or an Interest free credit card. You would hardly ever find a credit card that is both a No-annual fee credit card and an Interest free credit card at the same time in New Zealand. You can visit one of the two links above to continue your search for a Free credit card.
Travel credit cards are credit cards built to appeal to frequent travellers and tend to come with features that make travelling easier, cheaper and more convenient such as frequent flyer points, travel lounge access, travel insurance etc. You can find a full list of New Zealand Travel credit cards on our Travel Credit Cards page.
Credit card balance transfer offers are incentives offered by credit card providers to entice individuals with existing credit card debt to switch credit card providers. These incentives often come in the form of lower interest rates on balance transferred of between 0% to 5% for 6 to 12 months, although some balance transfer offers can last for the entire duration of the balance transferred. For a list of all the credit card balance transfer offers in NZ visit our balance transfer NZ offers page.
A “0% balance transfer” refers to a credit card balance transfer offer of 0% for a fixed period. Many credit card providers offer 0% balance transfers in NZ. For a list of all 0% balance transfer credit cards on our website visit our 0% balance transfer credit cards page.
We often get asked which is the best credit card in NZ, but the answer to this depends on your personal circumstance and needs, so the best credit card for each individual can vary greatly. Nevertheless, we have put together some of our selected of the best credit cards in NZ.
The best credit card reward in NZ depends on your needs and your personal circumstance; If you are interested in a Rewards credit cards, you can start your search for the best reward credit card for you by visiting our rewards credit cards page to review and compare all the rewards credit cards in NZ on our website.
If you rarely use your credit card and only use it as a form of back up payment, then you might prefer a credit card with no annual fee to avoid paying a fee for a credit card that you barely use. No annual fee credit cards are also sometimes referred to as Free credit cards due to the fact that they do not cost anything to possess without using it.
The downside of no-annual fee credit cards is that they tend to have higher interest rates and do not often come with any extra benefits. If you are interested in a zero fee credit card, you can visit our no-annual fee credit cards page to review and compare New Zealand no annual fee credit cards.
No interest credit cards are credit cards that do not incur interest for an initial period of usually between 6 to 12 months, after which, the standard interest rate applies. As such, the name “No Interest credit cards” can be rather misleading.
A no interest credit card might be suitable for you if you wish to buy now and pay later. Visit our No interest credit cards page to review and compare No interest credit cards.
Air NZ credit cards are credit cards that allow you to earn Air NZ airpoints which can be used to purchase flights or other goodies from the Air NZ Airpoints store. A hand full of credit card providers in NZ offer Air NZ credit cards. Visit our Air NZ credit cards page to view and compare Air New Zealand credit cards.
To apply for a credit card on our website simply click on the “Apply Now” button on the card that you are interested in to go to the credit card provider’s website to apply online. You must be a New Zealand citizen or permanent resident to apply for and be approved for a credit card with most New Zealand providers.
In most cases, you do not need any documents with your initial application. For more information read our guide to applying for a credit card online.
The best rewards credit card is subjective and depends a lot on your needs and personal circumstance. It is important to take into account the annual fees with Reward credit cards since some rewards credit cards can have hefty annual or membership fees. You can find a list of New Zealand rewards credit cards on our rewards credit cards page.
Low interest credit cards are credit cards with relatively low interest rates of 15% or lower. A low interest credit card might be suitable for you if you plan to take on new credit card debt. You can review and compare these credit cards on our low interest credit cards page.
Travel insurance credit cards are credit cards with the added benefit of free travel insurance cover which often also covers your partner and dependant children travelling with you.
If you are interested in a Travel insurance credit card, you can visit our travel insurance credit cards page to review and compare New Zealand travel insurance credit cards.
Credit cards tend to have multiple types of interest rates. The most common of these interest rates include the four listed below:
Yes, you can apply for a credit card online and it is easy too. To apply for a credit card online simply click on the “Go to site” or “Apply” button to go the credit card provider’s website to apply online. You would normally need a proof of id and proof of address, but don’t stress, you can just take a picture of your id and proof of address and upload them.
You can transfer your credit card balance as many times as you wish. You can find a list of all the balance transfer credit cards on our Balance Transfer NZ page.
If you are looking for the best credit card deals in NZ, then you have come to the right place. Use the credit card type select drop box at the top of this page to select the type of credit card deal you are interested in to see available deals for the credit card type in New Zealand.
If you are looking for the best credit card offers in NZ, then you have come to the right place. Use the credit card type drop box at the top of this page to select the type of credit card deal you are interested in to see the available offers in New Zealand.
To apply for a credit card simply find the credit card you like on our website and click on the “Go to site” or “Apply” button to go to the credit card provider’s website to apply online.
You must be a New Zealand citizen or permanent resident to apply for and be approved for a credit card with most New Zealand providers and you would need a proof of identity such as a passport, licence, 18+ card etc plus a proof of address – you can simply take a photo of your documents using your smart phone and upload them.
Cashback credit cards are credit cards that offer actual cash backs as rewards for using the credit card or signing up rather than reward points. You can find all the cash back credit cards on our cash back credit cards page.
Platinum credit cards are the top of the range credit cards that tend to come with a lot of benefits and rewards such as travel lounge access, travel insurance, reward points, buyer protection and much more. You can find all the New Zealand Platinum Credit Cards on our Platinum credit cards page.
A no fee credit card is simply a credit card with no account management fee or annual fee – standard interest rate and penalty fees still apply. You can find all the No fee credit cards on our No fee credit cards page.
Interest free balance transfer credit cards are credit cards with 0% interest on balance transferred. You can find these Zero percent Balance transfer credit cards on our Interest free balance transfer credit cards page.
A 0% balance transfer credit card is a credit card with 0% interest on balance transferred. You can find these Zero percent balance transfer credit cards on our 0% Balance transfer credit cards page.
0% interest credit cards are credit cards with zero interest on purchases but only for a fixed period. You can find a list of these credit cards on our Zero interest credit cards page.
Unlike in the UK, US and Australia, most New Zealand banks do NOT offer student credit cards designed specifically for tertiary students, but rather, they offer interest free overdrafts for students with their tertiary debit card which can be used online just like a normal credit card.
A tertiary debit card might be a better option for students than a credit card as it tends to incur very little to no interest. The main downside is that these overdrafts are usually limited to about $1,000 to $2,000.
Please visit our Student credit cards page to review and compare New Zealand Tertiary overdraft packages.
0% interest balance transfer credit cards are balance transfer credit cards with 0% interest on purchases made for a fixed period. You can find a list of these credit cards on our zero interest balance transfer credit cards page.
Frequent flyer credit cards are credit cards build for people who tend to travel frequently. Benefits can include free VIP lounge access, airpoints, free travel insurance etc. You can find a list of these frequent flyer credit cards on our frequent flyer credit cards page.
Common credit card fees in New Zealand include:
The Best rewards credit card for you would depends on your needs and personal circumstance. You can review and compare all the New Zealand Rewards credit cards on our website by visiting our Rewards credit cards page.
The best travel credit card depends on your needs. Some credit cards offer free travel insurance, airpoints and airport travel lounge access. You can browse through all our New Zealand Travel Credit Cards on our Travel credit cards page.
Zero interest credit cards are credit cards with an initial purchase rate of 0% for a fixed period. You can find a list of these interest free credit cards on our zero interest credit cards page.
The best balance Transfer Credit Cards for you would depend on your needs such as how much time you need and how you intend to use your credit card after you have paid off your balance. You can browse through all our New Zealand Balance Transfer Credit Cards on our Credit Card Balance Transfer offers page.
You can find a list of current credit card balance transfer offers on our Balance transfer page.
Low interest rate credit cards are credit cards with low purchase rates of 15% or lower per annum. You can find all the low interest rate credit cards on our website on our low interest rate credit cards page.
You can find a list of all the credit cards with rewards on our rewards credit cards page.
You can find a list of all the credit cards with low interest on our Low rate credit cards page.
Prestigious credit cards are credit cards reserved for the elite or high flyers of society and tend to come with great benefits and privileges. These credit cards are often referred to as either Gold credit cards or Platinum credit cards, but they can also be referred to by other names.
These credit cards often have higher annual fees, but come with great reward schemes and benefits such as free travel lounge access, free travel insurance, purchase protection and more.
If you are interested in a Prestigious credit card, please visit our Prestigious credit cards page to review and compare New Zealand Prestige credit cards.
There are many types of credit cards available in New Zealand. We have compiled a list of some of these credit card types on our credit card types page to help you find what you are looking for.
We hope you find our website useful and we are able to assist you in finding the right credit card for you.
To speed up the loading of our website only a few credit cards are loaded on this page by default. Click on the “Load more cards” button below the credit cards table (if you haven’t already) to load all the credit cards on our website to compare and find the best credit card NZ for you. Alternatively, you can use our credit card finder tool to find the best credit card to suit your needs.
If you know the type of credit card you are looking for, then the best place to start is to select the type of credit card from the drop down menu at the top of this page to narrow down your search.
The best credit card for you would depend on your personal circumstance and how you intend to use your credit card. We have put together a list of some of the best credit cards in NZ to help you find the best credit card NZ to suit your individual needs.
1. Documents not required with initial application, but might be required if your application is accepted.