Best Credit Card in NZ – Review of Best credit cards in NZ*

Below is a selection of credit cards we have choosen as our favourite New Zealand credit cards. Compare and find the best credit card to suit your needs below.

Updated: 18 Jan, 2020

Best Credit Card in NZ^

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CardDescriptionPurchase Rate (p.a.)Balance TransferCash Rate (p.a.)Annual FeeInterest Free Days
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 Dollars0% p.a. for 6 months then 19.95% p.a.N/A21.95% p.a.$0.0055 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. Plus complimentary Travel Insurance, Two VIP Lounges with Priority Pass per year. Get 200 bonus Airpoints Dollars when you apply online, are approved and spend $1,500 on your new Card within the first 3 months.19.95% p.a.N/A21.95% p.a.$195.0055 days
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Kiwibank Low Rate Visa Credit Card
A great low interest rate credit card with balance transfer offer that might suit those looking for a low rate credit card9.95% p.a.0% p.a. for 12 months9.95% p.a.$30.0055 days
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ASB Visa Light Credit Card
The ASB Visa Light credit card has no annual fee, a low purchase rate and 0% balance transfer for 6 months13.5% p.a.0% p.a. for 6 months22.95% p.a.$0.0055 days
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Westpac Low Rate MasterCard Credit Card
Comes with a low rate of just 13.45% p.a. plus 5.95% p.a. for the life of the balance transferred13.45% p.a.5.95% for life of balance transferred22.95% p.a.$25.0055 days
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Amex Low Rate Credit Card
A low interest card from Amex with up to 4 supplementary cards with no-annual fee2.99% p.a. for 6 months then 12.69%N/A21.95% p.a. $59.0055 days
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ANZ Low Rate Visa Card
Features a low interest rate of 13.90% and a balance transfer rate of 1.99% for 12 months13.9% p.a.1.99% p.a. for 12 months20.95% p.a.$35.0055 days
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Co-operative Bank Fair Rate Credit Card
The Fair Rate Credit Card from the Co-operative bank has a low purchase rate and a low annual fee of just $20. This is a great card if you are looking for a credit card with a low interest rate. 12.95% p.a.0% p.a. for 6 months12.95% p.a.$20.0055 days
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BNZ Lite Visa Credit Card
A Low interest rate of just 13.45% p.a. credit card with a great balance transfer offer of 0% p.a. for 12 months13.45% p.a.0% p.a. for 12 months22.95% p.a.$30.0055 days
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About Best Credit Cards

*Our criteria for selecting these credit cards might vary vastly from yours. Best credit cards also include our sponsored credit cards. You may also want to consider other popular credit card types on our site including: low interest credit cards, rewards credit cards, balance transfer credit cards and no-annual fee credit cards

What is the best credit card in NZ?

The best credit card for you would depend on your personal circumstance and how you intend to use your credit card. We have put together a list of some of the best credit cards in New Zealand to help you find the best credit card in NZ to suit your individual needs. Alternatively, you can narrow down your search by credit card type such as interest free credit card, low rate credit card, balance transfer, credit card reward or air nz credit card

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