We’ve reviewed and compiled a list of Prestige credit cards in New Zealand to help you to find the best prestige credit card in NZ to meet your needs. Below is a list of Prestige credit cards in New Zealand.
Updated: 14 Oct, 2024
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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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The American Express Airpoints Platinum Card
Platinum Award | The FASTEST Airpoints DollarTM earning Platinum Credit Card in NZ. Every $70 you spend earns you 1 Airpoints Dollar. This cards also comes with:
Reward Points Cash Equivalent: $100 spend earns $1.42 cash equivalent^. | 22.95% p.a. | N/A | 22.95% p.a. | $195.00 | 55 days
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Westpac Hotpoints World MasterCard Credit Card
Gold Award | 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
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Westpac Airpoints World MasterCard Credit Card
Gold Award | 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
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BNZ Advantage Visa Platinum Credit Card
Gold Award | Spend $1 and get 1.67 BNZ Points. The BNZ Advantage Platinum Visa Card also comes with a 90 days platinum International Leisure Travel Insurance and Domestic rental and vehicle excess insurance. Reward Points Cash Equivalent: $100 spend earns $1.11 cash equivalent^. | 18.95% | N/A | 18.95% | $90.00 | 55 days
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SBS Pink Ribbon Visa Credit Card
Platinum Award | This card is no longer available. 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
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Westpac Airpoints Platinum MasterCard Credit Card
Gold Award | 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
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ANZ CashBack Platinum Credit Card
Gold Award | 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
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ANZ Airpoints Visa Platinum Credit Card
Gold Award | Earn 1 Airpoints Dollar for every $110 you spend on eligible purchases. Reward Points Cash Equivalent: $100 spend earns $0.90 cash equivalent^. | 20.95% | N/A | 20.95% | $150.00 | 44 days
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Kiwibank Air New Zealand Airpoints Platinum Visa Credit Card
Gold Award | Earn 1 Airpoints Dollar™ for every $115 spent on eligible purchases. This card also comes with complimentary overseas travel insurance for you and your immediate family travelling with you for up to 40 days. Reward Points Cash Equivalent: $100 spend earns $0.64 cash equivalent^. | 20.95% | 1.99% p.a. for 6 months | 20.95% | $180.00 | 44 days
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The American Express Gold Rewards Credit Card
Platinum Award | 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. Reward Points Cash Equivalent: $100 spend earns $1.25 cash equivalent^. | 22.95% p.a. | N/A | 22.95% p.a. | $200.00 | 55 days
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^ 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.
Prestige credit cards have become a symbol of status in today’s society. Some credit cards such as the Centurion card (the black card) are so prestigious that you need an invitation to apply for them. Prestige cards usually come in Black or Gold but can come in other colours too. Above are some of the most prestigious cards in New Zealand.
After a Platinum credit card? Platinum credit cards are prestigious cards that usually come in black. These credit cards often come with extensive benefits such as travel lounge access, travel insurance, reward points, buyer protection and much more. Visit our platinum credit cards page to view a list of platinum credit cards.
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