Mastercard Credit Cards – Apply for Mastercard Credit Cards

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 in New Zealand. Use the credit card comparison table below to compare and find the best Mastercard credit card in NZ for you.

To apply for a Mastercard credit card below, simply click on the “Apply Now” button to review the details before applying.

The Amex Airpoints Platinum Card is the FASTEST Air NZ Airpoints Dollar^TM earning Platinum credit card. Every $70 spend earns you 1 Airpoints Dollar. Every $70 spend earns you 1 Airpoints Dollar. This card also includes complimentary Travel Insurance, VIP Lounge access and more. CURRENT OFFER: Get rewarded with 300 bonus Airpoints Dollars™ when you apply, are approved and spend $1,500 on your new Amex Airpoints Platinum Card within the first 3 months. New Amex Card Members only. T&Cs apply.

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Updated: 6 Jul, 2025

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Card	Description	Purchase Rate (p.a.)	Balance Transfer	Cash Rate (p.a.)	Annual Fee	Interest Free Days
HSBC Corporate Credit Card Gold Award (Business)	The HSBC Corporate Card is a business credit card that not only allows you to effectively manage your business expenditure but also includes travel insurance protection as a key benefit . HSBC does not disclose the annual fee or purchase rate for the HSBC Corporate Credit Card on their website.	Undisclosed	N/A	N/A	$-1.00	54 days More Info » Apply Now »
Westpac Business Mastercard Credit Card Gold Award (Business)	The Westpac Business Mastercard Card is a basic business credit card with no rewards or special benefits. It charges an annual fee of $50 and full payment of all outstanding monthly balance is required to be paid by direct debit by the due date.	N/A	N/A	22.95%	$50.00	N/A More Info » Apply Now »
TSB Low Rate Mastercard Credit Card Gold Award (Personal)	The TSB Low Rate Mastercard has a very low interest rate of 11.95% p.a. for purchases and cash advances.	11.95%	0% for 6 months	11.95%	$20.00	55 days More Info » Apply Now »
Westpac Fee Free MasterCard Credit Card Platinum Award (Personal)	Comes with a low rate of just 12.90% p.a. plus 5.95% p.a. for the life of the balance transferred to this card. it also comes with no annual fee, no cash advance fee and no foreign transaction fees.	12.90% p.a.	5.95% for life of balance transferred	19.95% p.a.	$0.00	55 days More Info » Apply Now »
Co-operative Bank Fair Rate Credit Card Gold Award (Personal)	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 »
Westpac Hotpoints World MasterCard Credit Card Gold Award (Personal)	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 1,500 airport lounges around the world and overseas travel insurance for up to 120 days per round trip. Reward Points Cash Equivalent: $100 spend earns $1.11 cash equivalent (for up to $15,000 spend)^. $100 spend earns $0.55 cash equivalent (for over $15,000 spend)^.	16.95% p.a.	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 Gold Award (Personal)	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 life of balance transferred. It also comes with Priority Pass lounge access to over 1,500 airport lounges around the world. Reward Points Cash Equivalent: $100 spend earns $1.05 cash equivalent (for up to $15,000 spend)^. $100 spend earns $0.52 cash equivalent (for over $15,000 spend)^.	16.95%	5.95% for life of balance transferred	22.95%	$310.00	44 days More Info » Apply Now »
ANZ CashBack Visa Credit Card Gold Award (Personal)	You get $1 cash back for every $150 spent on eligible purchases. Reward Points Cash Equivalent: $100 spend earns $0.66 cash equivalent^.	20.95%	N/A	20.95%	$40.00	55 days More Info » Apply Now »
ANZ CashBack Platinum Credit Card Gold Award (Personal)	The ANZ Cash back Platinum card allows you to earn $1 cash back for every $120 spent on eligible purchases. Reward Points Cash Equivalent: $100 spend earns $0.83 cash equivalent^.	20.95%	N/A	20.95%	$80.00	55 days More Info » Apply Now »
Westpac Hotpoints MasterCard Credit Card Gold Award (Personal)	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. Reward Points Cash Equivalent: $100 spend earns $0.55 cash equivalent (for up to $3,500 spend)^. $100 spend earns $0.27 cash equivalent (for over $3,500 spend)^.	20.95% p.a.	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 Gold Award (Personal)	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. Reward Points Cash Equivalent: $100 spend earns $0.83 cash equivalent (for up to $7,000 spend)^. $100 spend earns $0.55 cash equivalent (for over $7,000 spend)^.	20.95% p.a.	5.95% for life of balance transferred	22.95% p.a.	$70.00	55 days More Info » Apply Now »
Westpac Airpoints MasterCard Credit Card 3.5/5 Stars (Personal)	Earn 1 Airpoints Dollar for every $150 spent on eligible purchases on your card up to (and including) $3,500 then 1 Airpoints Dollar for every $300 spent on your card each month. plus 5.95% p.a. for the life of the balance transferred to this card. Reward Points Cash Equivalent: $100 spend earns $0.66 cash equivalent (for up to $3,500 spend)^. $100 spend earns $0.33 cash equivalent (for over $3,500 spend)^.	20.95% p.a.	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 Gold Award (Personal)	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 5.95% for the life of the balance transferred. Reward Points Cash Equivalent: $100 spend earns $0.90 cash equivalent (for up to $7,000 spend)^. $100 spend earns $0.45 cash equivalent (for over $7,000 spend)^.	20.95% p.a.	5.95% for life of balance transferred	22.95% p.a.	$125.00	44 days More Info » Apply Now »
Westpac Airpoints Business Mastercard Credit Card Gold Award (Business)	The Westpac Airpoints Business Mastercard is a business rewards credit card that allows you to earn 1 Airpoints Dollar for every $85 on eligible business spend, plus it comes with other benefits such as Up to 35 days of overseas travel insurance, purchase protection of up to 90 days, discount on 12-month Air New Zealand koru membership, extended warranty on purchases, and you earn one Status Point for every $225 you spend on eligible purchases.	20.95%	N/A	22.95%	$145.00	44 days More Info » Apply Now »
Westpac BusinessPLUS Mastercard with Hotpoints Gold Award (Business)	The Westpac BusinessPLUS Mastercard with Hotpoints credit card is a business rewards credit card that allows you to earn 1.25 hotpoints® for every $1 of business spend but also comes with other benefits such as Up to 35 days of overseas travel insurance and purchase protection of up to 90 days, and extended warranty on purchases.	20.95%	5.95%	22.95%	$100.00	55 days More Info » Apply Now »
TSB Platinum Mastercard Credit Card Gold Award (Personal)	Earn $1 cashback on every $100 spent on eligible purchases. Plus a range of insurance. Reward Points Cash Equivalent: $100 spend earns $1.00 cash equivalent^.	20.95%	N/A	22.95%	$90.00	55 days More Info » Apply Now »
Flight Centre Mastercard Credit Card Gold Award (Personal)	Earn 1.5 Flight Centre Reward for every NZ$100 you spend on a Purchase and 3 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. This card charge no foreign transaction fees. The establishment fee reduces to $35 for subsequent Long Term Finance Purchases. Reward Points Cash Equivalent: $100 spend earns $0.66 cash equivalent^.	24.99%	N/A	26.99%	$50.00	Up to 44 days More Info » Apply Now »
Q Mastercard Credit Card Gold Award (Personal)	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.	28.50% p.a plus 0% interest for 3 months on purchases made from select stores	N/A	N/A	$50.00	3 months More Info » Apply Now »
Q Card Gold Award (Personal)	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.	28.50% p.a. plus 0% interest for 3 months on purchases made from select stores	N/A	N/A	$50.00	3 months More Info » Apply Now »
Farmers Mastercard Credit Card Gold Award (Personal)	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. Reward Points Cash Equivalent: $100 spend earns $0.80 cash equivalent^.	28.50%	N/A	N/A	$50.00	Up to 55 days More Info » Apply Now »

^ To help you compare reward points across different credit cards and rewards programs, we provide an estimate of the cash-equivalent of the reward points that you will get back for every $100 you spend on eligible purchases with your card. The cash equivalent value given is an estimate only based on a specific redemption example. In some cases you might earn less or more depending on how you redeem your ponts and some reward points cannot be redeemed for cash directly. Click on the card to find out how the estimate was calculated.

The Amex Airpoints Platinum Card is the FASTEST Air NZ Airpoints Dollar^TM earning Platinum credit card. Every $70 spend earns you 1 Airpoints Dollar. Every $70 spend earns you 1 Airpoints Dollar. This card also includes complimentary Travel Insurance, VIP Lounge access and more. CURRENT OFFER: Get rewarded with 300 bonus Airpoints Dollars™ when you apply, are approved and spend $1,500 on your new Amex Airpoints Platinum Card within the first 3 months. New Amex Card Members only. T&Cs apply.

More Info »

*Terms and conditions apply

About Mastercard

Mastercard has become a ubiquitous presence in the global financial landscape, including New Zealand, where it serves millions of Kiwis daily. From its humble beginnings to its current role as a leader in global payments, Mastercard has evolved significantly over the years.

The History of Mastercard

Mastercard’s journey began in the year 1966 when several regional bankcard associations in the United States came together to form the Interbank Card Association (ICA). This organiation, which later became Mastercard, was created in response to the growing demand for a reliable and standardised credit card system.

In 1979, the name “Mastercard” was officially adopted, reflecting the company’s global ambitions. Throughout the 1980s and 1990s, Mastercard expanded its reach, becoming a prominent player in the global payments industry. The company introduced innovative technologies like magnetic stripe cards and later, EMV chip cards, which significantly enhanced security and usability.

In New Zealand, Mastercard gained traction as the New Zealand banking sector modernised and embraced digital payments. The early 2000s saw a rapid increase in Mastercard issuance as more New Zealanders adopted credit and debit cards for everyday transactions. Today, Mastercard is a trusted name in New Zealand, known for its security, global acceptance, and commitment to innovation.

Types of Mastercard Cards Available in New Zealand

Mastercard offers a variety of cards in New Zealand, each catering to different needs and financial preferences. The main types include:

• Debit Mastercard: Debit Mastercards are linked directly to a bank account, allowing users to spend only what they have in their account. These cards are ideal for individuals who want the convenience of a card without the risk of incurring debt. Debit Mastercards are widely accepted across New Zealand, both in physical stores and online. The Mastercard PayPass technology allows customers to just tap their card to make payments rather than swiping and entering their phone number.
• Credit Mastercard: Credit Mastercards provide a line of credit that users can borrow against and repay later. They often come with additional benefits such as rewards programs, cashback, and travel insurance. These cards are popular among consumers who prefer to manage their cash flow by paying off purchases over time.
• Prepaid Mastercard: Prepaid Mastercards are loaded with a specific amount of money, making them a good choice for budgeting, gifting, or use by individuals who may not qualify for a credit card. Since they are not linked to a bank account, they offer an additional layer of financial control.
• Business Mastercard: Designed for business use, these cards help companies manage expenses, track spending, and simplify accounting processes. Business Mastercards often feature higher credit limits, expense tracking tools, and rewards programs tailored to business needs.
• Platinum and World Mastercard: These premium cards offer enhanced benefits, including higher rewards, travel perks, and exclusive access to events. They are aimed at consumers who seek a more luxurious experience and are willing to pay higher annual fees for added privileges.

Benefits of Using Mastercard in New Zealand

Mastercard provides numerous advantages to its users in New Zealand, making it a popular choice for both personal and business use.

• Global Acceptance: One of the biggest advantages of Mastercard is its global reach. Mastercard is accepted at millions of locations worldwide, making it a convenient option for international travelers and online shoppers.
• Security: Mastercard employs cutting-edge security technologies such as EMV chip cards, SecureCode, and fraud monitoring systems to protect users from fraud and unauthorized transactions. New Zealanders can shop with confidence knowing their transactions are secure.
• Convenience: Mastercard offers convenience in various forms, including contactless payments, mobile wallet integration (e.g., Apple Pay, Google Pay), and online shopping capabilities. In a country where digital adoption is high, these features are particularly valuable.
• Rewards and Perks: Many Mastercard products come with rewards programs that offer points, cashback, or miles for every dollar spent. These rewards can be redeemed for travel, merchandise, or statement credits. Some cards also offer perks such as travel insurance, purchase protection, and access to exclusive events.
• Financial Management Tools: Mastercard users can benefit from financial management tools provided by their banks or card issuers. These tools include mobile apps that allow users to track spending, set budgets, and receive transaction alerts in real-time.

Mastercard Competitors in New Zealand

While Mastercard is a leading player in the New Zealand payments market, it faces competition from other card networks and payment methods.

• Visa: Visa is Mastercard’s primary competitor globally and in New Zealand. Visa credit cards offer similar benefits and features, including widespread acceptance, rewards programs, and security measures. The choice between Visa and Mastercard often comes down to personal preference or the specific rewards offered by a particular card.
• American Express (Amex): Amex credit cards are known for their premium rewards and benefits, particularly in the travel and entertainment sectors. However, Amex cards are not as widely accepted as Mastercard or Visa in New Zealand, which can be a limiting factor for some consumers although Amex is getting more wider acceptance in recent times.
• EFTPOS: EFTPOS (Electronic Funds Transfer at Point of Sale) cards are a popular choice for in-store purchases in New Zealand. While they are convenient for domestic transactions, EFTPOS cards lack the global acceptance and online shopping capabilities of Mastercard.
• Buy Now, Pay Later (BNPL) Services: BNPL services like Afterpay and Laybuy have gained popularity in New Zealand, particularly among younger consumers. These services allow users to make purchases and pay for them in installments. While they offer an alternative to traditional credit cards, they do not provide the same level of rewards or global acceptance as Mastercard.
• Cryptocurrencies: Although still in the early stages of adoption, cryptocurrencies are emerging as an alternative payment method in New Zealand. However, they are not yet widely accepted, and their volatility makes them less practical for everyday transactions compared to Mastercard.

The Future of Mastercard in New Zealand

The future of Mastercard in New Zealand is bright, driven by continuous innovation and the evolving needs of consumers.

• Digital Transformation: As digital payments continue to grow, Mastercard is likely to expand its offerings in mobile payments, digital wallets, and online banking. The integration of Mastercard with emerging technologies like blockchain and artificial intelligence will enhance security and offer new services.
• Sustainability Initiatives: Environmental sustainability is becoming increasingly important to consumers, and Mastercard is likely to introduce more eco-friendly initiatives. This could include offering cards made from recycled materials or supporting carbon offset programs linked to card usage.
• Enhanced Security: As cyber threats become more sophisticated, Mastercard will continue to invest in advanced security technologies. Biometric authentication, real-time fraud detection powered by AI, and enhanced encryption will play key roles in protecting users’ data and transactions.
• Personalised Experiences: The future of Mastercard will likely involve more personalised experiences, with rewards programs tailored to individual spending habits. This could include dynamic cashback rates, customised offers, and partnerships with local New Zealand businesses.
• Expansion of Financial Inclusion: Mastercard is committed to expanding financial inclusion, ensuring that more people have access to financial services. In New Zealand, this could mean developing products aimed at underserved populations, such as young adults or those with limited credit histories.

Mastercard has a rich history and a strong presence in New Zealand, offering a wide range of products that cater to diverse consumer needs. From debit and credit cards to prepaid and business options, Mastercard provides flexibility, security, and convenience to its users. While it faces competition from other payment methods, Mastercard’s global acceptance, innovative features, and commitment to sustainability position it well for the future. As digital payments continue to evolve, Mastercard is poised to remain a key player in New Zealand’s financial landscape, offering new and exciting ways for Kiwis to manage their finances securely and efficiently.