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| Card | Description | Purchase Rate (p.a.) | Balance Transfer | Cash Rate (p.a.) | Annual Fee | Interest Free Days |
|---|---|---|---|---|---|---|
 The Warehouse Money Visa Credit Card |
Get 5% off at The Warehouse when you pay with the Warehouse Money Visa Card - even on sale items! (exclusions apply) | 19.95% | N/A | 22.95% | $0.00 | 55 days* |
 Warehouse Money Purple Visa Credit Card |
Apply today and get a free $50 dollar voucher (conditions apply). Earn 2 purple dollars for every $150 spent at The Warehouse and 1 purple dollar for every $150 spent wherever Visa is accepted | 19.95% | N/A | 22.95% | $0.00 | 55 days* |
 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 | 13.50% | 0% for 6 months | 22.95% | $0.00 | 55 days* |
 BNZ Low Rate MasterCard Credit Card |
A Low interest rate of just 13.45% credit card with a great balance transfer offer of 0% for 12 months | 13.45% | 0% p.a. for 12 months | 22.95% | $60.00 | 55 days* |
 The Low Rate Credit Card from American Express |
A low interest card from Amex with up to 4 supplementary cards with no-annual fee | 2.99% p.a. for the first 6 months reverting to 12.69% p.a.... | N/A | 21.95% p.a. No interest free period. Available for enrolled... | $59.00 | 55 days* |
 Kiwibank Low Rate MasterCard Credit Card |
A great low interest low balance transfer credit card that might suit people with significant credit card debt | 13.45% | 1.99% p.a. for 6 months | 22.95% | $50.00 | 55 days* |
 Westpac Low Rate MasterCard Credit Card |
Comes with a low rate of just 13.45% plus a balance transfer offer of 0% p.a. for 12 months then 5.95% for the life of the balance transferred | 13.45% | 0% p.a. for 12 months then 5.95% for the life of the balance... | 22.95% | $65.00 | 55 days* |
 ANZ Low Rate Visa Card |
Features a low interest rate of 13.90% and a balance transfer rate of 1.99% for 12 months | 13.90% | 1.99% p.a. for 12 months | 22.95% | $35.00 | 55 days* |
 Kiwibank MasterCard Zero Credit Card |
A great everyday card with no annual fee and relatively low purchase rate | 16.90% | 1.99% p.a. for 6 months | 22.95% | $0.00 | 55 days* |
 Air New Zealand Airpoints Low Fee Mastercard |
Earn 1 Airpoints Dollar™ for every: $160 spent on eligible purchases, or $140 spent on products bought directly from Air New Zealand | 16.90% | 1.99% p.a. for the first 6 months on any transferred balance... | 22.95% | $25.00 | 44 days* |
 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% | 0% p.a. for 12 months then 5.95% for the life of the balance... | 22.95% | $390.00 | 55 days* |
 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 0% for 12 months | 16.95% | 0% p.a. for 12 months then 5.95% for the life of the balance... | 22.95% | $390.00 | 55 days* |
 Kiwibank MasterCard Gold Credit Card |
Kiwibank MasterCard Gold comes with complimentary travel insurance for you and any immediate family travelling with you | 17.90% | 1.99% p.a. for 6 months | 22.95% | $80.00 | 55 days* |
 TSB Visa Classic Credit Card |
The Visa Classic Credit Card is a standard everyday credit card with easy access to cash | 18.50% | N/A | $2 per advance (NZ) $5 per advance (overseas) | $30.00 | N/A* |
 BNZ Advantage Visa Platinum Credit Card |
Spend $15 on eligible purchases and get 1 Fly Buys point or spend $75 on eligible purchase and get $1 cash reward. | 18.95% | 0% p.a. for 12 months | 18.95% | $150.00 | 55 days* |
 The American Express Airpoints Platinum Card |
Every $59 you spend earn you 1 Airpoints Dollar | 19.95% | N/A | 21.95% p.a. No interest free period. Available for enrolled... | $195.00 | N/A* |
 The American Express Platinum Edge Credit Card |
Get an introductory offer of 20,000 Membership Rewards Bonus Points | 2.99% p.a. for the first 6 months reverting to 19.95% p.a.... | N/A | 21.95% p.a. No interest free period. Available for enrolled... | $149.00 | N/A* |
 The Air New Zealand American Express Credit Card |
Earn 1 Air New Zealand Airpoints DollarTM for every $100 you spend plus 0% on purchases for the first 6 months | 0% p.a. for the first 6 months reverting to 19.95% p.a. ther... | N/A | 21.95% p.a. No interest free period. Available for enrolled... | $0.00 | N/A* |
 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% for 6 months | 22.95% | $80.00 | 55 days* |
 ASB Visa Business Rewards Credit Card |
Earn one True Reward Dollar for every $100 you spend in purchases on your card. One True Rewards Dollar equals one New Zealand dollar. | 19.95% | 0% for 6 months | 22.95% | $70.00 | 55 days* |
 ANZ CashBack Card |
Earn up to 1% cash back on eligible purchases on eligible spend up to $30,000 | 20.95% | N/A | 22.95% | $60.00 | 55 days* |
 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 | 20.95% | N/A | 22.95% | $125.00 | 55 days* |
 ANZ Airpoints Visa Credit Card |
Earn 1 Airpoints DollarTM for every $120 dollars you spend on eligible purchase with the ANZ Airpoint Visa Card | 20.95% | N/A | 22.95% | $65.00 | 44 days* |
 ANZ Airpoints Visa Platinum Credit Card |
Earn 1 Airpoints Dollar for every $75 you spend on eligible purchases plus travel insurance, airpoints, no Koru fees etc | 20.95% | N/A | 22.95% | $150.00 | 44 days* |
 Air New Zealand Airpoints Standard Mastercard |
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 the first 6 months on any transferred balanc... | 22.95% | $65.00 | 44 days* |
 Air New Zealand Airpoints Platinum MasterCard |
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 the first 6 months on any transferred balanc... | 22.95% | $150.00 | 44 days* |
 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 12 months | 20.95% | 0% p.a. for 12 months | 22.95% | $40.00 | 55 days* |
 Westpac hotpoints MasterCard Credit Card |
Earn 1 hotpoint for every $1 spent on the card plus a balance transfer offer of 0% p.a. for 12 months then 5.95% for the life of the balance transferred | 20.95% | 0% p.a. for 12 months then 5.95% for the life of the balance... | 22.95% | $44.00 | 55 days* |
 Westpac hotpoints Platinum MasterCard Credit Card |
Earn 2 hotpoints® for every $1 spent on the card plus a balance transfer offer of 0% for 12 months then 5.95% for the life of the balance transferred | 20.95% | 0% p.a. for 12 months then 5.95% for the life of the balance... | 22.95% | $125.00 | 55 days* |
 Westpac Airpoints MasterCard Credit Card |
Earn one Airpoints Dollar for every NZD$120 spent on the card plus 0% balance transfer 12 months then 5.95% for the life of the balance transferred | 20.95% | 0% p.a. for 12 months then 5.95% for the life of the balance... | 22.95% | $55.00 | 55 days* |
 Westpac Airpoints Platinum MasterCard Credit Card |
Earn one Airpoints Dollar for every $75 spent on the card plus get 0% p.a. for 12 months then 5.95% for the life of the balance transferred | 20.95% | 0% p.a. for 12 months then 5.95% for the life of the balance... | 22.95% | $145.00 | 44 days* |
 Westpac Airpoints Business MasterCard Credit Card |
Earn one Airpoints Dollar for every NZD$75 spent on the card plus a balance transfer offer of 5.95% for the life of the balance transfered | 20.95% | 5.95% for the life of the balance transfered | 22.95% | $145.00 | 44 days* |
 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% for 6 months | 22.95% | $40.00 | 55 days* |
 ASB Visa Business Credit Card |
The ASB Visa Business credit card has a low annual fee, you can also have multiple cards and set a credit limit for each | 20.95% | N/A | 22.95% | $30.00 | 55 days* |
 Westpac BusinessPLUS Mastercard with hotpoints |
Earn 1.25 hotpoints® on every dollar you spend on your card plus travel insurance for 35 days | 20.95% | 5.95% for the life of the balance transferred | 22.95% | $100.00 | 55 days* |
 Gem Visa Credit Card - Compare and Review |
A no-annual fee credit card that offers 5% discount on purchases at the Warehouse storeThe Gem Visa credit card comes with a rather hefty purchase rate of 25.95% and an annual fee of $52 p.a. | 25.95% | 0% p.a. for 6 months | 25.95% | $52.00 | 55 days* |
Description:
Get 5% off at The Warehouse when you pay with the Warehouse Money Visa Card - even on sale items! (exclusions apply)
Purchase Rate:
19.95%
Balance Transfer:
N/A
Cash Rate:
22.95%
Rewards:
Get 5% off at The Warehouse when you pay with the Warehouse Money Visa Card - even on sale item...
Annual Fee:
$0.00 (No-annual fee)
Interest Free:
55 days*
Description:
Apply today and get a free $50 dollar voucher (conditions apply). Earn 2 purple dollars for every $150 spent at The Warehouse and 1 purple dollar for...
Purchase Rate:
19.95%
Balance Transfer:
N/A
Cash Rate:
22.95%
Rewards:
Apply today and get a free $50 dollar voucher (conditions apply). Earn 2 purple dollars for eve...
Annual Fee:
$0.00 (no-annual fee)
Interest Free:
55 days*
Description:
The ASB Visa Light credit card has no annual fee, a low purchase rate and 0% balance transfer for 6 months
Purchase Rate:
13.50%
Balance Transfer:
0% for 6 months
Cash Rate:
22.95%
Annual Fee:
$0.00
Interest Free:
55 days*
Description:
A Low interest rate of just 13.45% credit card with a great balance transfer offer of 0% for 12 months
Purchase Rate:
13.45%
Balance Transfer:
0% p.a. for 12 months
Cash Rate:
22.95%
Annual Fee:
$60 charged as $5 monthly
Interest Free:
55 days*
Description:
A low interest card from Amex with up to 4 supplementary cards with no-annual fee
Purchase Rate:
12.69%
Balance Transfer:
N/A
Cash Rate:
21.95% p.a. No interest free period. Available for enrolled Card Members only
Annual Fee:
$59 p.a.
Interest Free:
55 days*
Description:
A great low interest low balance transfer credit card that might suit people with significant credit card debt
Purchase Rate:
13.45%
Balance Transfer:
1.99% p.a. for 6 months
Cash Rate:
22.95%
Annual Fee:
$50 i.e. $25 account fee every six months. $5 fee for a joint or additional cardholder every...
Interest Free:
55 days*
Description:
Comes with a low rate of just 13.45% plus a balance transfer offer of 0% p.a. for 12 months then 5.95% for the life of the balance transferred
Purchase Rate:
13.45%
Balance Transfer:
0% p.a. for 12 months then 5.95% for the life of the balance transferred
Cash Rate:
22.95%
Annual Fee:
$0 annual fee for 2 years then $32.50 half yearly
Interest Free:
55 days*
Description:
Features a low interest rate of 13.90% and a balance transfer rate of 1.99% for 12 months
Purchase Rate:
13.90%
Balance Transfer:
1.99% p.a. for 12 months
Cash Rate:
22.95%
Annual Fee:
Get $0 annual fee for the first 12 months after that $35 charged yearly
Interest Free:
55 days*
Description:
A great everyday card with no annual fee and relatively low purchase rate
Purchase Rate:
16.90%
Balance Transfer:
1.99% p.a. for 6 months
Cash Rate:
22.95%
Annual Fee:
No Annual Fee
Interest Free:
55 days*
Description:
Earn 1 Airpoints Dollar™ for every: $160 spent on eligible purchases, or $140 spent on products bought directly from Air New Zealand
Purchase Rate:
16.90%
Balance Transfer:
1.99% p.a. for the first 6 months on any transferred balance from a non-Kiwibank credit card
Cash Rate:
22.95%
Annual Fee:
$25 p.a.(charged $12.50 half-yearly)
Interest Free:
44 days*
Description:
Earn 3 hotpoints per $1 dollar spent plus free airport lounge access, free travel insurance, purchase protection, extended warranty and more
Purchase Rate:
16.95%
Balance Transfer:
0% p.a. for 12 months then 5.95% for the life of the balance transferred
Cash Rate:
22.95%
Rewards:
Earn 3 hotpoints® for every $1 spent on the card
Annual Fee:
$390 p.a. paid in two 6-monthly instalments of $195
Interest Free:
55 days*
Description:
This card is a touch of everything including Airpoints, a relatively low interest rate of 16.95% and a balance transfer offer of 0% for 12 months
Purchase Rate:
16.95%
Balance Transfer:
0% p.a. for 12 months then 5.95% for the life of the balance transferred
Cash Rate:
22.95%
Rewards:
Earn one Airpoints Dollar for every NZD$65 spent on the card plus get 0% p.a. on balance transf...
Annual Fee:
$390 per year Paid in two 6-monthly instalments of $195
Interest Free:
55 days*
Description:
Kiwibank MasterCard Gold comes with complimentary travel insurance for you and any immediate family travelling with you
Purchase Rate:
17.90%
Balance Transfer:
1.99% p.a. for 6 months
Cash Rate:
22.95%
Rewards:
Complimentary Travel Insurance
Annual Fee:
$80 charged as $40 every six months
Interest Free:
55 days*
Description:
The Visa Classic Credit Card is a standard everyday credit card with easy access to cash
Purchase Rate:
18.50%
Balance Transfer:
N/A
Cash Rate:
$2 per advance (NZ) $5 per advance (overseas)
Annual Fee:
$30.00
Interest Free:
N/A*
Description:
Spend $15 on eligible purchases and get 1 Fly Buys point or spend $75 on eligible purchase and get $1 cash reward.
Purchase Rate:
18.95%
Balance Transfer:
0% p.a. for 12 months
Cash Rate:
18.95%
Annual Fee:
$150 charged as $72.50 half yearly. Additional card $20 p.a
Interest Free:
55 days*
Description:
Every $59 you spend earn you 1 Airpoints Dollar
Purchase Rate:
19.95%
Balance Transfer:
N/A
Cash Rate:
21.95% p.a. No interest free period. Available for enrolled Card Members only
Rewards:
Earn 1 Airpoints DollarTM for every $59 you spend on your Card
Annual Fee:
$195 p.a.
Interest Free:
N/A*
Description:
Get an introductory offer of 20,000 Membership Rewards Bonus Points
Purchase Rate:
19.95%
Balance Transfer:
N/A
Cash Rate:
21.95% p.a. No interest free period. Available for enrolled Card Members only
Rewards:
Earn up to 3 Membership Rewards points per dollar spent
Annual Fee:
$149 p.a.
Interest Free:
N/A*
Description:
Earn 1 Air New Zealand Airpoints DollarTM for every $100 you spend plus 0% on purchases for the first 6 months
Purchase Rate:
19.95%
Balance Transfer:
N/A
Cash Rate:
21.95% p.a. No interest free period. Available for enrolled Card Members only
Rewards:
Earn 1 Air New Zealand Airpoints DollarTM for every $100 you spend
Annual Fee:
No Annual Fee
Interest Free:
N/A*
Description:
Get one True Rewards Dollar for every $100 you spend plus travel insurance for you, your spouse and your dependent children
Purchase Rate:
19.95%
Balance Transfer:
0% for 6 months
Cash Rate:
22.95%
Rewards:
Earn True Rewards, Travel Insurance
Annual Fee:
$80.00
Interest Free:
55 days*
Description:
Earn one True Reward Dollar for every $100 you spend in purchases on your card. One True Rewards Dollar equals one New Zealand dollar.
Purchase Rate:
19.95%
Balance Transfer:
0% for 6 months
Cash Rate:
22.95%
Annual Fee:
$70 pa paid at $35 6 monthly
Interest Free:
55 days*
Description:
Earn up to 1% cash back on eligible purchases on eligible spend up to $30,000
Purchase Rate:
20.95%
Balance Transfer:
N/A
Cash Rate:
22.95%
Rewards:
Get up to 1% cashback on purchases made with your card up to a maximum of $30,000 spend
Annual Fee:
Get $0 annual fee for the first 12 months on all new ANZ credit cards. $60 per annum after that...
Interest Free:
55 days*
Description:
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
Purchase Rate:
20.95%
Balance Transfer:
N/A
Cash Rate:
22.95%
Rewards:
Get up to 1% cashback on purchases made with your card with no spend limit for cash back
Annual Fee:
Get $0 annual fee for the first 12 months on all new ANZ credit cards. $125 per annum after tha...
Interest Free:
55 days*
Description:
Earn 1 Airpoints DollarTM for every $120 dollars you spend on eligible purchase with the ANZ Airpoint Visa Card
Purchase Rate:
20.95%
Balance Transfer:
N/A
Cash Rate:
22.95%
Rewards:
Earn 1 Airpoints DollarTM for every $120 dollars you spend on eligible purchases
Annual Fee:
$65 p.a.(charged $32.50 half-yearly)
Interest Free:
44 days*
Description:
Earn 1 Airpoints Dollar for every $75 you spend on eligible purchases plus travel insurance, airpoints, no Koru fees etc
Purchase Rate:
20.95%
Balance Transfer:
N/A
Cash Rate:
22.95%
Rewards:
For every $75 dollars you spend you will earn 1 Airpoints Dollar, plus 1 Status Point for every...
Annual Fee:
$150.00
Interest Free:
44 days*
Description:
Earn 1 Airpoints Dollar™ for every: $120 spent on eligible purchases, or $100 spent on Air New Zealand products
Purchase Rate:
20.95%
Balance Transfer:
1.99% p.a. for the first 6 months on any transferred balance from a non-Kiwibank credit card
Cash Rate:
22.95%
Annual Fee:
$65 p.a.(charged $32.50 half-yearly)
Interest Free:
44 days*
Description:
Earn 1 Airpoints Dollar™ for every: $75 spent on eligible purchases, or $65 spent on Air New Zealand products bought direct
Purchase Rate:
20.95%
Balance Transfer:
1.99% p.a. for the first 6 months on any transferred balance from a non-Kiwibank credit card
Cash Rate:
22.95%
Annual Fee:
$150 p.a (charged $75 half-yearly)
Interest Free:
44 days*
Description:
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...
Purchase Rate:
20.95%
Balance Transfer:
0% p.a. for 12 months
Cash Rate:
22.95%
Annual Fee:
$40 charged as $20 half yearly. Additional card $12 p.a
Interest Free:
55 days*
Description:
Earn 1 hotpoint for every $1 spent on the card plus a balance transfer offer of 0% p.a. for 12 months then 5.95% for the life of the balance transferr...
Purchase Rate:
20.95%
Balance Transfer:
0% p.a. for 12 months then 5.95% for the life of the balance transferred
Cash Rate:
22.95%
Rewards:
Earn 1 hotpoint for every $1 spent on the card
Annual Fee:
$44 p.a.
Interest Free:
55 days*
Description:
Earn 2 hotpoints® for every $1 spent on the card plus a balance transfer offer of 0% for 12 months then 5.95% for the life of the balance transferred
Purchase Rate:
20.95%
Balance Transfer:
0% p.a. for 12 months then 5.95% for the life of the balance transferred
Cash Rate:
22.95%
Rewards:
Earn 2 hotpoints® for every $1 spent on the card
Annual Fee:
$125 p.a. per year Paid in two 6-monthly instalments of $62.50.
Interest Free:
55 days*
Description:
Earn one Airpoints Dollar for every NZD$120 spent on the card plus 0% balance transfer 12 months then 5.95% for the life of the balance transferred
Purchase Rate:
20.95%
Balance Transfer:
0% p.a. for 12 months then 5.95% for the life of the balance transferred
Cash Rate:
22.95%
Rewards:
Earn one Airpoints Dollar for every NZD$120 spent on the card
Annual Fee:
$0 for the first 2 years and after that $55 per year Paid in two 6-monthly instalments of $27.5...
Interest Free:
55 days*
Description:
Earn one Airpoints Dollar for every $75 spent on the card plus get 0% p.a. for 12 months then 5.95% for the life of the balance transferred
Purchase Rate:
20.95%
Balance Transfer:
0% p.a. for 12 months then 5.95% for the life of the balance transferred
Cash Rate:
22.95%
Rewards:
Earn one Airpoints Dollar for every NZD$75 spent on the card
Annual Fee:
$145 per year Paid in two 6-monthly instalments of $72.50
Interest Free:
44 days*
Description:
Earn one Airpoints Dollar for every NZD$75 spent on the card plus a balance transfer offer of 5.95% for the life of the balance transfered
Purchase Rate:
20.95%
Balance Transfer:
5.95% for the life of the balance transfered
Cash Rate:
22.95%
Rewards:
Earn one Airpoints Dollar for every NZD$75 spent on the card
Annual Fee:
$145.00
Interest Free:
44 days*
Description:
Get one True Rewards Dollar for every $150 you spend on your ASB Visa Rewards. One True Rewards Dollar equals one New Zealand dollar
Purchase Rate:
20.95%
Balance Transfer:
0% for 6 months
Cash Rate:
22.95%
Rewards:
Earn True Rewards Dollars that can be redeemed instantly at our partner stores or online.
Annual Fee:
$40.00
Interest Free:
55 days*
Description:
The ASB Visa Business credit card has a low annual fee, you can also have multiple cards and set a credit limit for each
Purchase Rate:
20.95%
Balance Transfer:
N/A
Cash Rate:
22.95%
Annual Fee:
$30.00
Interest Free:
55 days*
Description:
Earn 1.25 hotpoints® on every dollar you spend on your card plus travel insurance for 35 days
Purchase Rate:
20.95%
Balance Transfer:
5.95% for the life of the balance transferred
Cash Rate:
22.95%
Rewards:
Earn 1.25 hotpoints® on every dollar you spend on your card
Annual Fee:
$100.00
Interest Free:
55 days*
Description:
A no-annual fee credit card that offers 5% discount on purchases at the Warehouse storeThe Gem Visa credit card comes with a rather hefty purchase rat...
Purchase Rate:
25.95%
Balance Transfer:
0% p.a. for 6 months
Cash Rate:
25.95%
Annual Fee:
$52.00 No-annual fee
Interest Free:
55 days*