Updated: 16 Apr, 2024
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Card | Description | Purchase Rate (p.a.) | Balance Transfer | Cash Rate (p.a.) | Annual Fee | Interest Free Days |
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The American Express Airpoints Credit Card | 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. | 0% p.a. for 6 months then 22.95% p.a. | N/A | 22.95% p.a. | $0.00 | 55 days
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The American Express Airpoints Platinum Card | The FASTEST Airpoints DollarTM earning Platinum credit card in NZ. Every $59 you spend earns you 1 Airpoints Dollar. This cards also comes with Complimentary Travel Insurance, Koru joining fee waiver and Two VIP Lounges with Priority Pass per year. CURRENT OFFER: Receive 300 bonus Airpoints Dollars™ when you apply online, are approved and spend $1,500 on your new Card within the first 3 months. New Card Members only. | 22.95% p.a. | N/A | 22.95% p.a. | $195.00 | 55 days
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The American Express Gold Rewards Credit Card | 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. | 22.95% | N/A | 22.95% p.a. | $200.00 | 55 days
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ASB Visa Light Credit Card | The ASB Visa Light credit card has no annual fee, a low purchase rate and 0% balance transfer for 6 months | 13.5% p.a. | 0% p.a. for 6 months | 22.95% p.a. | $0.00 | 55 days
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Fee Free MasterCard Credit Card | 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 | 12.90% p.a. | 5.95% for life of balance transferred | 19.95% p.a. | $0.00 | 55 days
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Amex Low Rate Credit Card | 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% | N/A | 21.95% p.a. | $59.00 | 55 days
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ANZ Low Rate Visa Card | 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
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Co-operative Bank Fair Rate Credit Card | 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
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BNZ Lite Visa Credit Card | 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
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Flight Centre Mastercard Credit Card | 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. The establishment fee reduces to $35 for subsequent Long Term Finance Purchases. | 24.99% | N/A | 26.99% | $50.00 | Up to 44 days
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Air New Zealand Airpoints Low Fee Visa Credit Card | Earn 1 Airpoints Dollar™ for every $200 spent on eligible purchases. | 16.90% p.a. | 1.99% p.a. for 6 months | 16.90% p.a. | $50.00 | 44 days
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BNZ Advantage Visa Platinum Credit Card | Spend $20 on eligible purchases and get 1 Fly Buys point or spend $1 and get 1.67 BNZ Points. | 18.95% | N/A | 18.95% | $90.00 | 55 days
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Westpac Hotpoints World MasterCard Credit Card | 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 1,300 airport lounges around the world and overseas travel insurance for up to 120 days per round trip. | 16.95% p.a. | 5.95% for life of balance transferred | 22.95% p.a. | $285.00 | 44 days
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The Warehouse Money Visa Credit Card | This credit card has been discontinued. The Warehouse Money is no longer offering this credit card. | 19.95% | N/A | 22.95% | $0.00 | 55 days
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A credit card is an unsecured line of credit which is usually issued by banks and other credit providers in the form of a small plastic card that can be used for making payments in-store or online. Credit cards can also be loaded onto smart devices such as mobile phones or smart watches which can be used to make payments 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. 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.
An unsecured loan means you do not have to put up collateral against the loan unlike for secured loans such as a car loan or home loan in which the car or home is used as security incase the borrower is unable to make the required payments. Because unsecured loans are more riskier for the loan provider, unsecured loans tend to have higher interest rates.
A credit card comparison is website is a site 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 cards from multiple providers all in one place.
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 plan 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.
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.
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.
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.
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.
A student credit card is a credit card specifically designed for tertiary students. 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.
Visit our Student credit cards page to review and compare New Zealand Tertiary overdraft packages.
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.
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.
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.