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: 27 Jun, 2022
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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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![]() 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 8 August 2022, are approved and spend $1,500 on your new Card within the first 3 months. New Card Members only. | 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 (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 19.95% p.a. | N/A | 21.95% p.a. | $0.00 | 55 days
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![]() The American Express Platinum Card | Earn 2 Membership Rewards points per dollar spent on your Card. Plus Receive 200,000 bonus MR points when you apply online for the Platinum Card by 29 August 2022, are approved and spend $2,000 on your new Card within the first 3 months. New Card Members only. 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
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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 | 16.90% 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 overseas travel insurance, purchase protection, extended warranty and more | 16.95% p.a. | 5.95% for life of balance transferred | 22.95% p.a. | $285.00 | 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% | $310.00 | 55 days
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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% | N/A | 18.95% | $90.00 | 55 days
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![]() The American Express Gold Rewards Credit Card | Amex's FASTEST earn rate credit card. 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. | 19.95% | N/A | 21.95% p.a. | $200.00 | 55 days
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![]() ANZ CashBack Visa Credit Card | Earn 0.5% 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
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![]() 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
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![]() ANZ CashBack Platinum Card | Earn 0.5% 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
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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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![]() 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
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![]() 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
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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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![]() 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
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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% | N/A | 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. | $40.00 | 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. | $70.00 | 55 days
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![]() 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. | $70.00 | 55 days
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![]() 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. | $125.00 | 44 days
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![]() Kiwibank Air New Zealand Airpoints Platinum Visa Credit Card | Earn 1 Airpoints Dollar™ for every $85 spent on eligible purchases, or $65 spent on Air New Zealand products bought direct | 20.95% | 1.99% p.a. for 6 months | 20.95% | $150.00 | 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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![]() 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. 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
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![]() 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
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![]() 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
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