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 “Go to site” button to review the details before applying. For more information about a specific card on our site, click on the “more info” link… read more ↓
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| Card | Description | Purchase Rate (p.a.) | Balance Transfer | Cash Rate (p.a.) | Annual Fee | Interest Free 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* |
 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* |
 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* |
 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* |
 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* |
 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* |
 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* |
 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* |
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...
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:
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 tran...
Cash Rate:
22.95%
Annual Fee:
$0 annual fee for 2 years then $32.50 half 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...
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 tran...
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 tran...
Cash Rate:
22.95%
Rewards:
Earn one Airpoints Dollar for every NZD$65 spent on the card plus...
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:
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...
Annual Fee:
Get $0 annual fee for the first 12 months on all new ANZ credit...
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...
Annual Fee:
Get $0 annual fee for the first 12 months on all new ANZ credit...
Interest Free:
55 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 fro...
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 fro...
Cash Rate:
22.95%
Annual Fee:
$150 p.a (charged $75 half-yearly)
Interest Free:
44 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 tran...
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 tran...
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 tran...
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...
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 tran...
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:
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*
.