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: 24 Jan, 2021

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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: Be rewarded with 400 bonus Airpoints Dollars when you apply online by 30 March 2021, are approved, and spend $1,500 on your new Card within the first 3 months. 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 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 (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, are approved and spend $1,500 on your Card within your first 3 months of Card Membership (available to New Card Members only)	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 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)	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 travel insurance, airpoints, no Koru fees etc	19.95%	N/A	19.95%	$150.00	44 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 »
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 More Info » Apply Now »
Onecard Visa - from Countdown	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$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 More Info » Apply Now »
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.	$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 »

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