Best Credit Card in NZ for 2021 – Review of the 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.

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Updated: 26 Jul, 2021

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Best Credit Card in NZ^{^}

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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 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 Airpoints Platinum Card	The FASTEST Airpoints Dollar^TM 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
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.	1.99% p.a. for 6 months	9.95% p.a.	$30.00	55 days More Info » Apply Now »
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 More Info » Apply Now »
Westpac Low Rate MasterCard Credit Card	Comes with a low rate of just 12.90% p.a. plus 5.95% p.a. for the life of the balance transferred	12.90% p.a.	5.95% for life of balance transferred	19.95% p.a.	$0.00	55 days More Info » Apply Now »
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 More Info » Apply Now »
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 More Info » Apply Now »
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 More Info » Apply Now »
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 More Info » Apply Now »

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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

Best Credit Card in NZ for 2021 – Review of the Best credit cards in NZ*

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Best Credit Card in NZ for 2021 – Review of the Best credit cards in NZ*

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Best Credit Card in NZ^{^}