Below are all the New Zealand credit cards listed on our website. Use the filters below to narrow down your search to find exactly what you are looking for. Try our advance search to launch the credit card finder.
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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 No documents required to apply1 |
 Warehouse Money Purple Visa Credit Card | 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 No documents required to apply1 |
 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 No documents required to apply1 |
 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 No documents required to apply1 |
 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. | $59.00 | 55 days No documents required to apply1 |
 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 No documents required to apply1 |
 Westpac Low Rate MasterCard Credit Card | Comes with a low rate of just 13.45% plus a balance transfer offer of 5.95% for the life of the balance transferred | 13.45% | 5.95% for the life of the balance transferred | 22.95% | $65.00 | 55 days No documents required to apply1 |
 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 No documents required to apply1 |
 The American Express Platinum Card | Earn 2 Membership Rewards points per dollar spent on your Card, plus Receive 80,000 Membership Rewards Bonus Points when you apply, are approved and spend $1,500 on your Card within your first 3 months of Card Membership | 0.00% | N/A | $2 per transaction when Express Cash is requested using the... | $1248.00 | N/A No documents required to apply1 |
 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 No documents required to apply1 |
 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 No documents required to apply1 |
 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% | 5.95% for the life of the balance transferred | 22.95% | $390.00 | 55 days No documents required to apply1 |
 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% | 16.95% | 5.95% for the life of the balance transferred | 22.95% | $390.00 | 55 days No documents required to apply1 |
 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 No documents required to apply1 |
 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 No documents required to apply1 |
 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 No documents required to apply1 |
 The American Express Platinum Edge Credit Card | Earn up to 3 Membership Rewards points per dollar spent, plus get complimentary Travel Insurance and 20,000 Membership Rewards Bonus Points. Terms and conditions apply. | 2.99% p.a. for the first 6 months then reverts to 19.95% p.a... | N/A | 21.95% p.a. No interest free period for Cash Withdrawal. Ava... | $149.00 | N/A No documents required to apply1 |
 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 No documents required to apply1 |
 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 No documents required to apply1 |
 The American Express Airpoints 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. | 0% p.a. for the first 6 months reverting to 19.95% p.a. ther... | N/A | 21.95% p.a. | $0.00 | N/A No documents required to apply1 |
 The American Express Airpoints Platinum Card | This is a Great Rewards credit card. It is the FASTEST Airpoints DollarTM earning Platinum Credit Card. Every $59 you spend earns you 1 Airpoints Dollar. Plus get other benefits such as Free Travel Insurance and VIP Lounge access. | 19.95% | N/A | 21.95% p.a. No interest free period. Available for enrolled... | $195.00 | N/A No documents required to apply1 |
 ANZ CashBack Visa Credit 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 No documents required to apply1 |
 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 No documents required to apply1 |
 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 No documents required to apply1 |
 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 No documents required to apply1 |
 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 No documents required to apply1 |
 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 No documents required to apply1 |
 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 No documents required to apply1 |
 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% | 5.95% for the life of the balance transferred | 22.95% | $44.00 | 55 days No documents required to apply1 |
 Westpac hotpoints Platinum MasterCard Credit Card | Earn 2 hotpoints® for every $1 spent on the card plus a balance transfer offer of 5.95% for the life of the balance transferred | 20.95% | 5.95% for the life of the balance transferred | 22.95% | $125.00 | 55 days No documents required to apply1 |
 Westpac Airpoints MasterCard Credit Card | Earn one Airpoints Dollar for every NZD$120 spent on the card plus 5.95% for the life of the balance transferred | 20.95% | 5.95% for the life of the balance transferred | 22.95% | $55.00 | 55 days No documents required to apply1 |
 Westpac Airpoints Platinum MasterCard Credit Card | Earn 1 Airpoints Dollar for every $75 spent on the card plus get 5.95% for the life of the balance transferred | 20.95% | 5.95% for the life of the balance transferred | 22.95% | $145.00 | 44 days No documents required to apply1 |
 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 No documents required to apply1 |
 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 No documents required to apply1 |
 Gem Visa Credit Card - Compare and Review | The Gem Visa credit card comes with a rather hefty purchase rate of 25.95% and an annual fee of $52 p.a. | 25.95% | N/A | 25.95% | $52.00 | 55 days No documents required to apply1 |
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1. Documents not required with initial application, but might be required if your application is successful
