Updated: 29 Jun, 2022
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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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![]() Westpac Low Rate 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
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![]() 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
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![]() Westpac hotpoints World MasterCard Credit Card | Earn 3 hotpoints per $1 dollar spent plus free airport lounge access, free overseas travel insurance, purchase protection, extended warranty and more | 16.95% p.a. | 5.95% for life of balance transferred | 22.95% p.a. | $285.00 | 55 days
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![]() 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% for the life of the balance transferred | 16.95% | 5.95% for life of balance transferred | 22.95% | $310.00 | 55 days
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![]() ANZ CashBack Visa Credit Card | Earn 0.5% to 1% cash back on eligible purchases (on eligible spend up to $30,000, minimum spend of $5,000 to qualify) | 19.95% | N/A | 19.95% | $60.00 | 55 days
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![]() ANZ CashBack Platinum Card | Earn 0.5% 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 | 19.95% | N/A | 19.95% | $80.00 | 55 days
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![]() 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% p.a. | 5.95% for life of balance transferred | 22.95% p.a. | $40.00 | 55 days
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![]() Westpac Hotpoints Platinum MasterCard Credit Card | Earn 2 hotpoints® for every $1 spent on the card plus a balance transfer offer of 5.95% p.a. for the life of the balance transferred | 20.95% p.a. | 5.95% for life of balance transferred | 22.95% p.a. | $70.00 | 55 days
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![]() Westpac Airpoints MasterCard Credit Card | Earn one Airpoints Dollar for every NZD$130 spent on the card plus 5.95% p.a. for the life of the balance transferred | 20.95% p.a. | 5.95% for life of balance transferred | 22.95% p.a. | $70.00 | 55 days
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![]() Westpac Airpoints Platinum MasterCard Credit Card | Earn 1 Airpoints Dollar for every $85 spent on the card plus get 5.95% for the life of the balance transferred | 20.95% p.a. | 5.95% for life of balance transferred | 22.95% p.a. | $125.00 | 44 days
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![]() 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
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![]() 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
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![]() 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. | 25.99% | N/A | 25.99% | $50.00 | 3 months
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![]() 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. | 25.99% | N/A | 27.25% | $50.00 | 3 months
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Mastercard is one of the largest credit card brand in the world, and is widely accepted in most countries. Below are all the MasterCard credit cards we have compiled in New Zealand. Use the credit card comparison table below to compare and find the best MasterCard credit card for you.
To apply for a MasterCard credit card below, simply click on the “Apply Now” button to review the details before applying. For more information about a specific card on our site, click on the “more info” link.
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