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Find the best credit card to suit your needs. Below is a list of all the credit cards on our site. Use the filters below to narrow down your credit card search.

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Updated: 27 Nov, 2023

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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. CURRENT OFFER: 50 bonus Airpoints Dollars™ when you apply, are approved and spend $750 on your new Card within the first 3 months. New Card Members only.	0% p.a. for 6 months then 22.95% p.a.	N/A	22.95% 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 300 bonus Airpoints Dollars™ when you apply online, are approved and spend $1,500 on your new Card within the first 3 months. New Card Members only.	22.95% p.a.	N/A	22.95% p.a.	$195.00	55 days More Info » Apply Now » No documents required to apply¹
Co-operative Bank Fair Rate Credit Card	The Fair Rate Credit Card has a very low purchase rate of 12.95% p.a. plus a balance transfer rate of 0% p.a. for 6 month. This might be a good card if you are looking for a credit card with a low interest rate and/or a card with a 0% p.a. balance transfer offer.	12.95% p.a.	0% p.a. for 6 months	12.95% p.a.	$20.00	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 »
Fee Free MasterCard Credit Card	Comes with a low rate of just 12.90% p.a. plus 0% balance transfer for the first 6 months and then 5.95% p.a. for the life of the balance transferred	12.90% p.a.	0% for 6 months. 5.95% for life of balance tran...	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 »
The American Express Platinum Card	Earn 2 Membership Rewards points per dollar spent on your Card. Plus, complimentary VIP Lounges with Priority Pass access. You and a guest can enjoy complimentary access to 1,400 Airport lounges across 140 countries. Receive 100,000 bonus Membership Rewards points when you apply online, are approved and spend $1,500 on your new Card within the first 3 months. New Card Members only. T&Cs apply. There is also an annual Dining Credit of up to $300. You will get $150 back when you spend $150 or more, in one transaction, on your American Express Platinum Card at a participating restaurant. Valid twice a year.	N/A	N/A	$2 per transaction	$1250.00	Up to 44 days More Info » Apply Now » No documents required to apply¹
Kiwibank Zero Visa Credit Card	A low rate credit card with no annual fee and a 1.99% balance transfer for 6 months	12.90% p.a.	1.99% p.a. for 6 months	12.90% p.a.	$0.00	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 »
Air New Zealand Airpoints Low Fee Visa Credit Card	Earn 1 Airpoints Dollar™ for every $200 spent on eligible purchases.	16.90% p.a.	1.99% p.a. for 6 months	16.90% p.a.	$50.00	44 days More Info » Apply Now »
Westpac Hotpoints World MasterCard Credit Card	Earn 2 hotpoints for every $1 spent on your card up to (and including) $15,000 then 1 hotpoint for every $1 spent on your card each month. Plus Priority Pass lounge access to over 1,300 airport lounges around the world and overseas travel insurance for up to 120 days per round trip.	16.95% p.a.	0% for 6 months then 5.95% for life of balance transferred	22.95% p.a.	$285.00	44 days More Info » Apply Now »
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 6 months then 5.95% for life of balance transferred	16.95%	0% for 6 months then 5.95% for life of balance transferred	22.95%	$310.00	44 days More Info » Apply Now »
SBS Visa Credit Card	A No annual fee credit card that allows you to earn $1 for every $150 spent on eligible transactions	18.50%	N/A	21.50%	$0.00	55 days More Info » Apply Now »
TSB Visa Classic Credit Card	The Visa Classic Credit Card is a standard everyday credit card with easy access to cash	18.50%	0% p.a for 6 months	18.50% plus $2 per advance	$30.00	N/A More Info » Apply Now »
BNZ Advantage Visa Platinum Credit Card	Spend $20 on eligible purchases and get 1 Fly Buys point or spend $1 and get 1.67 BNZ Points.	18.95%	N/A	18.95%	$90.00	55 days More Info » Apply Now »
ANZ CashBack Visa Credit Card	You get $1 cash back for every $150 spent on eligible purchases	19.95%	N/A	19.95%	$40.00	55 days More Info » Apply Now »
ANZ Airpoints Visa Credit Card	Earn 1 Airpoints Dollar^TM for every $170 dollars you spend on eligible purchase with the ANZ Airpoint Visa Card	19.95%	N/A	19.95%	$65.00	44 days More Info » Apply Now »
ANZ CashBack Platinum Card	The ANZ Cash back Platinum card allows you to earn $1 cash back for every $120 spent on eligible purchases.	19.95%	N/A	19.95%	$80.00	55 days More Info » Apply Now »
ANZ Airpoints Visa Platinum Credit Card	Earn 1 Airpoints Dollar for every $110 you spend on eligible purchases	19.95%	N/A	19.95%	$150.00	44 days More Info » Apply Now »
SBS Pink Ribbon Visa Credit Card	A reward credit card that also helps fight breast cancer. SBS Bank will donate $20 to Breast Cancer Foundation NZ for every account opened successfully. Every time you use your card SBS Bank will donate 5 cents to Breast Cancer Foundation NZ. Earn $1 for every $150 spent on Eligible Transactions.	19.95% p.a.	N/A	22.95% p.a.	$55.00	55 days More Info » Apply Now »
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% p.a. for 6 months	22.95%	$80.00	55 days More Info » Apply Now »
Onecard Visa - from Countdown	This card has been suspended and no applications are being accepted. Every $1,000 you spend at Countdown earns you $90. Earn 2x Onecard points and AA Smartfuel discounts at Countdown with the Onecard Visa card. Additionally, earn Onecard points wherever Visa is accepted.	19.99%	N/A	22.99%	$65.00	55 days More Info » Apply Now »
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 More Info » Apply Now »
BNZ Advantage Classic Visa Credit Card	Get 1 Fly Buys point for every $40 of eligible spend OR get 1 BNZ Point for every $1 you spend on eligible purchases.	20.95%	N/A	22.95%	$40.00	55 days More Info » Apply Now »
Westpac Hotpoints MasterCard Credit Card	Earn 1 hotpoint for every $1 spent on your card up to (and including) $3,500 then 0.5 hotpoints for every $1 spent on your card each month	20.95% p.a.	0% for 6 months then 5.95% for life of balance transferred	22.95% p.a.	$40.00	55 days More Info » Apply Now »
Westpac Hotpoints Platinum MasterCard Credit Card	Earn 1.5 hotpoints for every $1 spent on your card up to (and including) $7,000 then 1 hotpoint for every $1 spent on your card each month	20.95% p.a.	0% for 6 months then 5.95% for life of balance transferred	22.95% p.a.	$70.00	55 days More Info » Apply Now »
Westpac Airpoints MasterCard Credit Card	Earn 1 Airpoints Dollar for every $150 spent on the card plus 0% on balance transfer for 6 months then 5.95% p.a. for the life of the balance transferred	20.95% p.a.	0% for 6 months then 5.95% for life of balance transferred	22.95% p.a.	$70.00	55 days More Info » Apply Now »
Westpac Airpoints Platinum MasterCard Credit Card	Earn 1 Airpoints Dollar for every $110 spent on your card up to (and including) $7,000 then 1 Airpoints Dollar for every $220 spent on your card each month plus get 0% on balance transferred for 6 months then 5.95% for the life of the balance transferred	20.95% p.a.	0% for 6 months then 5.95% for life of balance transferred	22.95% p.a.	$125.00	44 days More Info » Apply Now »
Kiwibank Air New Zealand Airpoints Platinum Visa Credit Card	Earn 1 Airpoints Dollar™ for every $115 spent on eligible purchases.	20.95%	1.99% p.a. for 6 months	20.95%	$180.00	44 days More Info » Apply Now »
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%	0.00% for 6 months	22.95%	$40.00	55 days More Info » Apply Now »
Warehouse Money Purple Visa Credit Card	The Warehouse Money no longer offers the Purple Visa Credit Card. This credit card is now offered by SBS Money Limited trading as Purple Card.	22.90%	N/A	25.90%	$55.00	55 days More Info » Apply Now »
The American Express Gold Rewards Credit Card	Amex's FASTEST earn rate credit card in NZ. Get 2 points per $1 spent with this award-winning Membership Rewards programme. CURRENT OFFER: Get $200 back* (Statement Credit). *Apply online, be approved and spend $1,500 on your new Card within the first 3 months. New Card Members only. T&Cs apply.	22.95%	N/A	22.95% p.a.	$200.00	55 days More Info » Apply Now » No documents required to apply¹
Flight Centre Mastercard Credit Card	Earn 1 Flight Centre Reward for every NZ$100 you spend on a Purchase and 2 Flight Centre Reward points if purchased from Flight Centre. Flight Centre Mastercards has a $50 annual fee and a $55 establishment fee on your first purchase using Long Term Finance. The establishment fee reduces to $35 for subsequent Long Term Finance Purchases.	22.95%	N/A	24.95%	$50.00	Up to 44 days More Info » Apply Now »
Farmers Finance Card	Note: Farmers Finance Card is no longer accepting any new applications and are instead accepting applications on Farmers Mastercard. With Farmers Finance Card, there are no annual account fees! You'll enjoy up to 55 days interest free* and get access to exclusive extended payment deals at Farmers!	25.50%	N/A	25.50% p.a.	$0.00	Up to 55 days More Info » Apply Now »
Farmers Mastercard Credit Card	Earn 1 Farmers Club Point for every $10 you spend using your Farmers Mastercard credit card. This card has a $50 annual fee and a $55 establishment fee on your first purchase using Long Term Finance. The establishment fee reduces to $35 for subsequent Long Term Finance Purchases.	25.95%	N/A	27.50% p.a.	$50.00	Up to 55 days More Info » Apply Now »
Gem Visa Credit Card - Compare and Review	The Gem Visa credit card comes with a purchase rate of 26.99% and an annual fee of $52 p.a.	26.99%	N/A	26.99%	$52.00	55 days for purchases under $250 More Info » Apply Now »
Q Mastercard Credit Card	Q Mastercard offers a minimum 3 months zero interest, zero payments on all purchases. There is a $50 annual fee and a $55 establishment fee on your first purchase using Long Term Finance. This establishment fee reduces to $35 for subsequent Long Term Finance purchases.	27.89%	N/A	27.99%	$50.00	3 months More Info » Apply Now »
Q Card	Note: New applications are no longer accepted for Q Card. Q Card offers a 3 months no payments and no interest on purchases made at thousands of select retailers. There is a $50 annual fee and a $55 establishment fee on your first purchase using Long Term Finance. The establishment fee reduces to $35 for subsequent Long Term Finance Purchases.	27.99%	Not Available	Not Available	$50.00	3 months More Info » Apply Now »

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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