Below are all the New Zealand credit cards we have compiled. You can use the credit card filters to narrow down your search to find exactly what you are looking for.
Updated: 5 Dec, 2019
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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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![]() 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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![]() 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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![]() Westpac Low Rate MasterCard Credit Card | Comes with a low rate of just 13.45% p.a. plus 5.95% p.a. for the life of the balance transferred | 13.45% p.a. | 5.95% for life of balance transferred | 22.95% p.a. | $25.00 | 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 12 months | 13.9% p.a. | 1.99% p.a. for 12 months | 20.95% p.a. | $35.00 | 55 days
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![]() The American Express Platinum Card | Earn 2 Membership Rewards points per dollar spent on your Card, plus Receive 80,000 Membership Rewards Bonus Points when you apply, are approved and spend $1,500 on your Card within your first 3 months of Card Membership | N/A | N/A | $2 per transaction | $1250.00 | 44 days
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![]() Kiwibank Low Rate Visa Credit Card | A great low interest rate credit card with balance transfer offer that might suit those looking for a low rate credit card | 9.95% p.a. | 1.99% p.a. for 6 months | 9.95% p.a. | $30.00 | 55 days
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![]() Co-operative Bank Fair Rate Credit Card | The Fair Rate Credit Card from the Co-operative bank has a low purchase rate and a low annual fee of just $20. This is a great card if you are looking for a credit card with a low interest rate. | 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 | A Low interest rate of just 13.90% p.a. credit card with a great balance transfer offer of 0% p.a. for 12 months | 13.90% p.a. | 0% p.a. for 12 months | 22.95% p.a. | $30.00 | 55 days
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![]() Kiwibank Zero Visa Credit Card | A great everyday card with no annual fee and relatively low purchase rate | 13.95% p.a. | 1.99% p.a. for 6 months | 13.95% p.a. | $0.00 | 55 days
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![]() Kiwibank Platinum Visa Credit Card | Kiwibank Platinum Visa credit card comes with complimentary travel insurance for you and any immediate family travelling with you | 13.95% p.a. | 1.99% p.a. for 6 months | 13.95% p.a. | $80.00 | 55 days
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![]() Air New Zealand Airpoints Low Fee Visa Credit Card | Earn 1 Airpoints Dollar™ for every $160 spent on eligible purchases, or $140 spent on products bought directly from Air New Zealand | 16.9% p.a. | 1.99% p.a. for 6 months | 22.95% p.a. | $25.00 | 44 days
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![]() Westpac hotpoints World MasterCard Credit Card | Earn 3 hotpoints per $1 dollar spent plus free airport lounge access, free travel insurance, purchase protection, extended warranty and more | 16.95% p.a. | 5.95% for life of balance transferred | 22.95% p.a. | $390.00 | 55 days
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![]() Westpac Airpoints World MasterCard Credit Card | This card is a touch of everything including Airpoints, a relatively low interest rate of 16.95% and a balance transfer offer of 5.95% for the life of the balance transferred | 16.95% | 5.95% for life of balance transferred | 22.95% | $390.00 | 55 days
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![]() TSB Visa Classic Credit Card | The Visa Classic Credit Card is a standard everyday credit card with easy access to cash | 18.50% | N/A | 18.50% plus $2 per advance | $30.00 | N/A
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![]() SBS Visa Credit Card | A No annual fee credit card that allows you to earn $1 for every $150 spent on eligible transactions | 18.50% | N/A | 21.50% | $0.00 | 55 days
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![]() BNZ Advantage Visa Platinum Credit Card | Spend $15 on eligible purchases and get 1 Fly Buys point or spend $90 on eligible purchase and get $1 cash reward. | 18.95% | 0% p.a. for 6 months | 18.95% | $90.00 | 55 days
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![]() The American Express Platinum Edge Credit Card | Earn up to 3 Membership Rewards points per dollar spent, plus get complimentary Travel Insurance and 20,000 Membership Rewards Bonus Points. Terms and conditions apply. | 2.99% p.a. for 6 months then 19.95% p.a. | N/A | 21.95% p.a. | $149.00 | 55 days
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![]() ASB Visa Platinum Rewards Credit Card | Get one True Rewards Dollar for every $100 you spend plus travel insurance for you, your spouse and your dependent children | 19.95% | 0% p.a. for 6 months | 22.95% | $80.00 | 55 days
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![]() The Warehouse Money Visa Credit Card | Get 5% off at The Warehouse when you pay with the Warehouse Money Visa Card | 19.95% | N/A | 22.95% | $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. Plus complimentary Travel Insurance, Two VIP Lounges with Priority Pass per year. Get 200 bonus Airpoints Dollars when you apply online, are approved and spend $1,500 on your new Card within the first 3 months. | 19.95% p.a. | N/A | 21.95% p.a. | $195.00 | 55 days
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![]() The American Express Airpoints Credit Card | INTEREST FREE on purchases for the first 6 months, plus earn 1 Air New Zealand Airpoints Dollar for every $100 you spend. What's more, you pay No-Annual fee and simply apply, be approved, and spend $750 on your new Card in the first 3 months to be rewarded with 50 bonus Airpoints Dollars | 0% p.a. for 6 months then 19.95% p.a. | N/A | 21.95% p.a. | $0.00 | 55 days
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![]() Countdown Onecard Visa Credit Card | The Onecard Visa credit card allows you to earn Onecard Points everywhere Visa is accepted plus 2x Onecard Points at Countdown | 19.99% | N/A | 22.99% | $65.00 | 55 days
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![]() ANZ CashBack Visa Credit Card | Earn up to 1% cash back on eligible purchases (on eligible spend up to $30,000) | 20.95% | N/A | 20.95% | $60.00 | 55 days
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![]() ANZ CashBack Platinum Card | Earn up to 1% cash back on eligible purchases* - with no limit on the amount of CashBack Rewards you can earn. Minimum spend of $5,000 to qualify | 20.95% | N/A | 20.95% | $125.00 | 55 days
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![]() ANZ Airpoints Visa Credit Card | Earn 1 Airpoints DollarTM for every $120 dollars you spend on eligible purchase with the ANZ Airpoint Visa Card | 20.95% | N/A | 20.95% | $65.00 | 44 days
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![]() ANZ Airpoints Visa Platinum Credit Card | Earn 1 Airpoints Dollar for every $75 you spend on eligible purchases plus travel insurance, airpoints, no Koru fees etc | 20.95% | N/A | 20.95% | $150.00 | 44 days
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![]() BNZ Advantage Classic Visa Credit Card | Get 1 Fly Buys point for every $40 of eligible spend or $1 Cash Reward for every $150 of eligible spend plus a great balance transfer offer of 0% for 6 months | 20.95% | 0% p.a. for 6 months | 22.95% | $40.00 | 55 days
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![]() Westpac hotpoints MasterCard Credit Card | Earn 1 hotpoint for every $1 spent on the card plus a balance transfer offer of 5.95% for the life of the balance transferred | 20.95% p.a. | 5.95% for life of balance transferred | 22.95% p.a. | $44.00 | 55 days
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![]() Westpac hotpoints Platinum MasterCard Credit Card | Earn 2 hotpoints® for every $1 spent on the card plus a balance transfer offer of 5.95% p.a. for the life of the balance transferred | 20.95% p.a. | 5.95% for life of balance transferred | 22.95% p.a. | $125.00 | 55 days
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![]() Westpac Airpoints MasterCard Credit Card | Earn one Airpoints Dollar for every NZD$120 spent on the card plus 5.95% p.a. for the life of the balance transferred | 20.95% p.a. | 5.95% for life of balance transferred | 22.95% p.a. | $55.00 | 55 days
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![]() Westpac Airpoints Platinum MasterCard Credit Card | Earn 1 Airpoints Dollar for every $75 spent on the card plus get 5.95% for the life of the balance transferred | 20.95% p.a. | 5.95% for life of balance transferred | 22.95% p.a. | $145.00 | 44 days
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![]() ASB Visa Rewards Credit Card | Get one True Rewards Dollar for every $150 you spend on your ASB Visa Rewards. One True Rewards Dollar equals one New Zealand dollar | 20.95% | 0.00% for 6 months | 22.95% | $40.00 | 55 days
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![]() ASB Visa Business Credit Card | The ASB Visa Business credit card has a low annual fee, you can also have multiple cards and set a credit limit for each | 20.95% | N/A | 22.95% | $30.00 | 55 days
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![]() Air New Zealand Airpoints Standard Visa Credit Card | Earn 1 Airpoints Dollar™ for every $120 spent on eligible purchases, or $100 spent on Air New Zealand products | 20.95% | 1.99% p.a. for 6 months | 22.95% | $65.00 | 44 days
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![]() Kiwibank Air New Zealand Airpoints Platinum Visa Credit Card | Earn 1 Airpoints Dollar™ for every $75 spent on eligible purchases, or $65 spent on Air New Zealand products bought direct | 20.95% | 1.99% p.a. for 6 months | 22.95% | $150.00 | 44 days
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![]() Warehouse Money Purple Visa Credit Card | Earn 1 purple dollar for every $150 spent wherever Visa is accepted | 22.90% | N/A | 25.90% | $55.00 | 55 days
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![]() Flight Centre Mastercard Credit Card | Earn 1 Flight Centre Reward for every NZ$100 you spend on a Purchase and 2 Flight Centre Reward points if purchased from Flight Centre | 22.95% | N/A | 24.95% | $50.00 | 24 days
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![]() Farmers Mastercard Credit Card | Earn 1 Farmers Club Point for every $10 you spend using your Farmers Mastercard credit card | 25.95% | N/A | N/A | $50.00 | 55 days
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![]() Gem Visa Credit Card - Compare and Review | The Gem Visa credit card comes with a rather hefty purchase rate of 25.99% and an annual fee of $52 p.a. | 25.99% | N/A | 25.99% | $52.00 | 55 days
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![]() Q Card Credit Card | The Q Card allows you to make interest free purchases for a fix period from a selection of partner stores across New Zealand | 25.99% | N/A | N/A | $50.00 | 90 days
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![]() Q Mastercard Credit Card | The Q Mastercard credit card offers 90 interest free on purchases and long term interest free purchases in partnership with thousands of stores across New Zealand | 25.99% | N/A | 27.25% | $50.00 | 90 days
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