Best Credit Card Rewards in NZ – 2018

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 in 2018 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. read more ↓

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Credit Card Rewards Comparison - November, 2018

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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	This is a Great Rewards credit card. It is the FASTEST Airpoints Dollar^TM earning Platinum Credit Card. Every $59 you spend earns you 1 Airpoints Dollar. Plus get other benefits such as Free Travel Insurance and VIP Lounge access.	19.95%	N/A	21.95% p.a. No interest free period. Available for enrolled Card Members only	$195.00	N/A More Info » Apply Now » No documents required to apply¹
The American Express Airpoints 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.	0% p.a. for the first 6 months reverting to 19.95% p.a. thereafter	N/A	21.95% p.a.	$0.00	N/A 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 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	0.00%	N/A	$2 per transaction when Express Cash is requested using the Card in New Zealand or $5 per transaction when Express Cash...	$1248.00	N/A More Info » Apply Now » No documents required to apply¹
Air New Zealand Airpoints Low Fee Mastercard	Earn 1 Airpoints Dollar™ for every: $160 spent on eligible purchases, or $140 spent on products bought directly from Air New Zealand	16.90%	1.99% p.a. for the first 6 months on any transferred balance from a non-Kiwibank credit card	22.95%	$25.00	44 days More Info » Apply Now » No documents required to apply¹
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%	5.95% for the life of the balance transferred	22.95%	$390.00	55 days More Info » Apply Now » No documents required to apply¹
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%	16.95%	5.95% for the life of the balance transferred	22.95%	$390.00	55 days More Info » Apply Now » No documents required to apply¹
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 More Info » Apply Now » No documents required to apply¹
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 the first 6 months then reverts to 19.95% p.a. thereafter	N/A	21.95% p.a. No interest free period for Cash Withdrawal. Available for enrolled Card Members only	$149.00	N/A More Info » Apply Now » No documents required to apply¹
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% for 6 months	22.95%	$80.00	55 days More Info » Apply Now » No documents required to apply¹
ASB Visa Business Rewards Credit Card	Earn one True Reward Dollar for every $100 you spend in purchases on your card. One True Rewards Dollar equals one New Zealand dollar.	19.95%	0% for 6 months	22.95%	$70.00	50 days More Info » Apply Now » No documents required to apply¹
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 More Info » Apply Now » No documents required to apply¹
Warehouse Money Purple Visa Credit Card	Earn 2 purple dollars for every $150 spent at The Warehouse and 1 purple dollar for every $150 spent wherever Visa is accepted	19.95%	N/A	22.95%	$0.00	55 days More Info » Apply Now » No documents required to apply¹
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 More Info » Apply Now » No documents required to apply¹
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	22.95%	$125.00	55 days More Info » Apply Now » No documents required to apply¹
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 More Info » Apply Now » No documents required to apply¹
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 More Info » Apply Now » No documents required to apply¹
Air New Zealand Airpoints Standard Mastercard	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 the first 6 months on any transferred balance from a non-Kiwibank credit card	22.95%	$65.00	44 days More Info » Apply Now » No documents required to apply¹
Air New Zealand Airpoints Platinum MasterCard	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 the first 6 months on any transferred balance from a non-Kiwibank credit card	22.95%	$150.00	44 days More Info » Apply Now » No documents required to apply¹
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 More Info » Apply Now » No documents required to apply¹
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%	5.95% for the life of the balance transferred	22.95%	$44.00	55 days More Info » Apply Now » No documents required to apply¹
Westpac hotpoints Platinum MasterCard Credit Card	Earn 2 hotpoints® for every $1 spent on the card plus a balance transfer offer of 5.95% for the life of the balance transferred	20.95%	5.95% for the life of the balance transferred	22.95%	$125.00	55 days More Info » Apply Now » No documents required to apply¹
Westpac Airpoints MasterCard Credit Card	Earn one Airpoints Dollar for every NZD$120 spent on the card plus 5.95% for the life of the balance transferred	20.95%	5.95% for the life of the balance transferred	22.95%	$55.00	55 days More Info » Apply Now » No documents required to apply¹
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%	5.95% for the life of the balance transferred	22.95%	$145.00	44 days More Info » Apply Now » No documents required to apply¹
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% for 6 months	22.95%	$40.00	55 days More Info » Apply Now » No documents required to apply¹