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: 20 Jun, 2021

Filters

Sort Cards byInterest free days (ASC)Interest free days (DSC)Balance transfer (ASC)Balance transfer (DSC)Purchase rate (ASC)Purchase rate (DSC)Annual fee (ASC)Annual fee (DSC)Cash rate (ASC)Cash rate (DSC)

Credit Card Rewards Comparison

Crunching your request. Won't be long . . .

Please reverify details with provider.

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 500 bonus Airpoints Dollars when you apply by 27 September 2021, are approved and spend $1,500 on your new Card within the first 3 months. New Card Members only. This offer is available to new Card Members only.	19.95% p.a.	N/A	21.95% 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. What's more, simply apply, be approved, and spend $750 on your new Card in the first 3 months to be rewarded with 50 bonus Airpoints Dollars (available to New Card Members only)	0% p.a. for 6 months then 19.95% p.a.	N/A	21.95% p.a.	$0.00	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 (available to New Card Members only).	2.99% p.a. for 6 months then 19.95% p.a.	N/A	21.95% p.a.	$149.00	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 Receive 80,000 Membership Rewards Bonus 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
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 More Info » Apply Now »
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 More Info » Apply Now »
Westpac hotpoints World MasterCard Credit Card	Earn 3 hotpoints per $1 dollar spent plus free airport lounge access, free overseas 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 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 5.95% for the life of the balance transferred	16.95%	5.95% for life of balance transferred	22.95%	$390.00	55 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 $15 on eligible purchases and get 1 Fly Buys point or spend $90 on eligible purchase and get $1 cash reward.	18.95%	N/A	18.95%	$90.00	55 days More Info » Apply Now »
ANZ CashBack Visa Credit Card	Earn up to 1% cash back on eligible purchases (on eligible spend up to $30,000, minimum spend of $5,000 to qualify)	19.95%	N/A	19.95%	$60.00	55 days More Info » Apply Now »
ANZ Airpoints Visa Credit Card	Earn 1 Airpoints DollarTM for every $130 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	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	19.95%	N/A	19.95%	$80.00	55 days More Info » Apply Now »
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 »
ANZ Airpoints Visa Platinum Credit Card	Earn 1 Airpoints Dollar for every $85 you spend on eligible purchases plus overseas travel insurance, airpoints, no Koru fees etc	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 $1 Cash Reward for every $150 of eligible spend plus a great balance transfer offer of 0% for 6 months	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 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 More Info » Apply Now »
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.	$119.00	55 days More Info » Apply Now »
Westpac Airpoints MasterCard Credit Card	Earn one Airpoints Dollar for every NZD$130 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 More Info » Apply Now »
Westpac Airpoints Platinum MasterCard Credit Card	Earn 1 Airpoints Dollar for every $85 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.	$150.00	44 days More Info » Apply Now »
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 More Info » Apply Now »
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 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	Earn 1 purple dollar for every $150 spent wherever Visa is accepted	22.90%	N/A	25.90%	$55.00	55 days More Info » Apply Now »
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 More Info » Apply Now »
Farmers Mastercard Credit Card	Earn 1 Farmers Club Point for every $10 you spend using your Farmers Mastercard credit card	25.95%	N/A	27.50% p.a.	$50.00	55 days More Info » Apply Now »

Back to top ↑