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: 13 Apr, 2021
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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 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
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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 200 bonus Airpoints Dollars when you apply online, 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
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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 card | 9.95% p.a. | 1.0% p.a. for 12 months | 9.95% p.a. | $30.00 | 55 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 months | 13.5% p.a. | 0% p.a. for 6 months | 22.95% p.a. | $0.00 | 55 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 transferred | 13.45% p.a. | 5.95% for life of balance transferred | 22.95% p.a. | $25.00 | 55 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 fee | 2.99% p.a. for 6 months then 12.69% | N/A | 21.95% p.a. | $59.00 | 55 days
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![]() ANZ Low Rate Visa Card | Features a low interest rate of 12.90% and a balance transfer rate of 1.99% for 24 months | 12.90% p.a. | 1.99% p.a. for 24 months | 19.95% p.a. | $0.00 | 55 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 months | 12.95% p.a. | $20.00 | 55 days
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![]() BNZ Lite Visa Credit Card | BNZ Lite Visa Credit Card is a low interest rate credit card with a purchase rate of 12.90% p.a. | 12.90% p.a. | N/A | 22.95% p.a. | $30.00 | 55 days
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*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
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