Best Credit Card Rewards in NZ

We often get asked what is the “best credit cards rewards card in NZ” so we have decided to put together a list of the best rewards credit cards below.

The list below is our selection of best credit card rewards cards in order of preference. It is important to point out that the best credit card rewards card is highly subjective for each individual. For a full list of all the New Zealand rewards credit cards, visit our rewards credit cards page.

Updated: 26 Nov, 2023

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Credit Card Rewards Comparison

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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 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 More Info » Apply Now » No documents required to apply1
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 More Info » Apply Now » No documents required to apply1
The American Express Platinum Card	Earn 2 Membership Rewards points per dollar spent on your Card. Plus, complimentary VIP Lounges with Priority Pass access. You and a guest can enjoy complimentary access to 1,400 Airport lounges across 140 countries. Receive 100,000 bonus Membership Rewards points when you apply online, are approved and spend $1,500 on your new Card within the first 3 months. New Card Members only. T&Cs apply. There is also an annual Dining Credit of up to $300. You will get $150 back when you spend $150 or more, in one transaction, on your American Express Platinum Card at a participating restaurant. Valid twice a year.	N/A	N/A	$2 per transaction	$1250.00	Up to 44 days More Info » Apply Now » No documents required to apply1
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 More Info » Apply Now »
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.	0% for 6 months then 5.95% for life of balance transferred	22.95% p.a.	$285.00	44 days More Info » Apply Now »
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 0% for 6 months then 5.95% for life of balance transferred	16.95%	0% for 6 months then 5.95% for life of balance transferred	22.95%	$310.00	44 days More Info » Apply Now »
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 More Info » Apply Now »
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 More Info » Apply Now »
ANZ CashBack Visa Credit Card	You get $1 cash back for every $150 spent on eligible purchases	19.95%	N/A	19.95%	$40.00	55 days More Info » Apply Now »
ANZ Airpoints Visa Credit Card	Earn 1 Airpoints DollarTM for every $170 dollars you spend on eligible purchase with the ANZ Airpoint Visa Card	19.95%	N/A	19.95%	$65.00	44 days More Info » Apply Now »
ANZ CashBack Platinum Card	The ANZ Cash back Platinum card allows you to earn $1 cash back for every $120 spent on eligible purchases.	19.95%	N/A	19.95%	$80.00	55 days More Info » Apply Now »
ANZ Airpoints Visa Platinum Credit Card	Earn 1 Airpoints Dollar for every $110 you spend on eligible purchases	19.95%	N/A	19.95%	$150.00	44 days More Info » Apply Now »
SBS Pink Ribbon Visa Credit Card	A reward credit card that also helps fight breast cancer. SBS Bank will donate $20 to Breast Cancer Foundation NZ for every account opened successfully. Every time you use your card SBS Bank will donate 5 cents to Breast Cancer Foundation NZ. Earn $1 for every $150 spent on Eligible Transactions.	19.95% p.a.	N/A	22.95% p.a.	$55.00	55 days More Info » Apply Now »
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 More Info » Apply Now »
Onecard Visa - from Countdown	This card has been suspended and no applications are being accepted. Every $1,000 you spend at Countdown earns you $90. Earn 2x Onecard points and AA Smartfuel discounts at Countdown with the Onecard Visa card. Additionally, earn Onecard points wherever Visa is accepted.	19.99%	N/A	22.99%	$65.00	55 days More Info » Apply Now »
BNZ Advantage Classic Visa Credit Card	Get 1 Fly Buys point for every $40 of eligible spend OR get 1 BNZ Point for every $1 you spend on eligible purchases.	20.95%	N/A	22.95%	$40.00	55 days More Info » Apply Now »
Westpac Hotpoints MasterCard Credit Card	Earn 1 hotpoint for every $1 spent on your card up to (and including) $3,500 then 0.5 hotpoints for every $1 spent on your card each month	20.95% p.a.	0% for 6 months then 5.95% for life of balance transferred	22.95% p.a.	$40.00	55 days More Info » Apply Now »
Westpac Hotpoints Platinum MasterCard Credit Card	Earn 1.5 hotpoints for every $1 spent on your card up to (and including) $7,000 then 1 hotpoint for every $1 spent on your card each month	20.95% p.a.	0% for 6 months then 5.95% for life of balance transferred	22.95% p.a.	$70.00	55 days More Info » Apply Now »
Westpac Airpoints MasterCard Credit Card	Earn 1 Airpoints Dollar for every $150 spent on the card plus 0% on balance transfer for 6 months then 5.95% p.a. for the life of the balance transferred	20.95% p.a.	0% for 6 months then 5.95% for life of balance transferred	22.95% p.a.	$70.00	55 days More Info » Apply Now »
Westpac Airpoints Platinum MasterCard Credit Card	Earn 1 Airpoints Dollar for every $110 spent on your card up to (and including) $7,000 then 1 Airpoints Dollar for every $220 spent on your card each month plus get 0% on balance transferred for 6 months then 5.95% for the life of the balance transferred	20.95% p.a.	0% for 6 months then 5.95% for life of balance transferred	22.95% p.a.	$125.00	44 days More Info » Apply Now »
Kiwibank Air New Zealand Airpoints Platinum Visa Credit Card	Earn 1 Airpoints Dollar™ for every $115 spent on eligible purchases.	20.95%	1.99% p.a. for 6 months	20.95%	$180.00	44 days More Info » Apply Now »
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 More Info » Apply Now »
Warehouse Money Purple Visa Credit Card	The Warehouse Money no longer offers the Purple Visa Credit Card. This credit card is now offered by SBS Money Limited trading as Purple Card.	22.90%	N/A	25.90%	$55.00	55 days More Info » Apply Now »
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 More Info » Apply Now » No documents required to apply1
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. 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.	22.95%	N/A	24.95%	$50.00	Up to 44 days More Info » Apply Now »
Farmers Finance Card	Note: Farmers Finance Card is no longer accepting any new applications and are instead accepting applications on Farmers Mastercard. With Farmers Finance Card, there are no annual account fees! You'll enjoy up to 55 days interest free* and get access to exclusive extended payment deals at Farmers!	25.50%	N/A	25.50% p.a.	$0.00	Up to 55 days More Info » Apply Now »
Farmers Mastercard Credit Card	Earn 1 Farmers Club Point for every $10 you spend using your Farmers Mastercard credit card. This card 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.	25.95%	N/A	27.50% p.a.	$50.00	Up to 55 days More Info » Apply Now »

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