Rewards Credit Cards – Compare Reward points Credit Cards

Rewards credit cards allow you to earn points by using your credit card for purchases, and depending on your card, redeem the accumulated points for cash, flights, petrol etc. read more ↓

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CardDescriptionPurchase Rate (p.a.)Balance TransferCash Rate (p.a.)Annual FeeInterest Free Days
read more about Air New Zealand Airpoints Low Fee Mastercard
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 Zealand16.90%1.99% p.a. for the first 6 months on any transferred balance...22.95%$25.00 44 days*
read more about Westpac hotpoints World MasterCard Credit Card
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 more16.95%0% p.a. for 12 months then 5.95% for the life of the balance...22.95%$390.00 55 days*
read more about Westpac Airpoints World MasterCard Credit Card
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 months16.95%0% p.a. for 12 months then 5.95% for the life of the balance...22.95%$390.00 55 days*
read more about BNZ Advantage Visa Platinum Credit Card
BNZ Advantage Visa Platinum Credit Card
Spend $15 on eligible purchases and get 1 Fly Buys point or spend $75 on eligible purchase and get $1 cash reward. 18.95%0% p.a. for 12 months18.95%$150.00 55 days*
read more about The American Express Airpoints Platinum Card
The American Express Airpoints Platinum Card
Every $59 you spend earn you 1 Airpoints Dollar19.95%N/A21.95% p.a. No interest free period. Available for enrolled...$195.00 N/A*
read more about The American Express Platinum Edge Credit Card
The American Express Platinum Edge Credit Card
Get an introductory offer of 20,000 Membership Rewards Bonus Points2.99% p.a. for the first 6 months reverting to 19.95% p.a....N/A21.95% p.a. No interest free period. Available for enrolled...$149.00 N/A*
read more about The Air New Zealand American Express Credit Card
The Air New Zealand American Express Credit Card
Earn 1 Air New Zealand Airpoints DollarTM for every $100 you spend plus 0% on purchases for the first 6 months0% p.a. for the first 6 months reverting to 19.95% p.a. ther...N/A21.95% p.a. No interest free period. Available for enrolled...$0.00 N/A*
read more about ASB Visa Platinum Rewards Credit Card
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 children19.95%0% for 6 months22.95%$80.00 55 days*
read more about ASB Visa Business Rewards Credit Card
ASB Visa Business Rewards Credit Card
Earn one True Reward Dollar for every $100 you spend in purchases on your card. One True Rewards Dollar equals one New Zealand dollar.19.95%0% for 6 months22.95%$70.00 55 days*
read more about The Warehouse Money Visa Credit Card
The Warehouse Money Visa Credit Card
Get 5% off at The Warehouse when you pay with the Warehouse Money Visa Card - even on sale items! (exclusions apply)19.95%N/A22.95%$0.00 55 days*
read more about Warehouse Money Purple Visa Credit Card
Warehouse Money Purple Visa Credit Card
Apply today and get a free $50 dollar voucher (conditions apply). Earn 2 purple dollars for every $150 spent at The Warehouse and 1 purple dollar for every $150 spent wherever Visa is accepted19.95%N/A22.95%$0.00 55 days*
read more about ANZ CashBack Card
ANZ CashBack Card
Earn up to 1% cash back on eligible purchases on eligible spend up to $30,00020.95%N/A22.95%$60.00 55 days*
read more about ANZ CashBack Platinum Card
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 qualify20.95%N/A22.95%$125.00 55 days*
read more about ANZ Airpoints Visa Credit Card
ANZ Airpoints Visa Credit Card
Earn 1 Airpoints DollarTM for every $120 dollars you spend on eligible purchase with the ANZ Airpoint Visa Card20.95%N/A22.95%$65.00 44 days*
read more about ANZ Airpoints Visa Platinum Credit Card
ANZ Airpoints Visa Platinum Credit Card
Earn 1 Airpoints Dollar for every $75 you spend on eligible purchases plus travel insurance, airpoints, no Koru fees etc20.95%N/A22.95%$150.00 44 days*
read more about Air New Zealand Airpoints Standard Mastercard
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*
read more about Air New Zealand Airpoints Platinum MasterCard
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 direct20.95%1.99% p.a. for the first 6 months on any transferred balanc...22.95%$150.00 44 days*
read more about BNZ Advantage Classic Visa Credit Card
BNZ Advantage Classic Visa Credit Card
Get 1 Fly Buys point for every $40 of eligible spend or $1 Cash Reward for every $150 of eligible spend plus a great balance transfer offer of 0% for 12 months20.95%0% p.a. for 12 months22.95%$40.00 55 days*
read more about Westpac hotpoints MasterCard Credit Card
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 transferred20.95%0% p.a. for 12 months then 5.95% for the life of the balance...22.95%$44.00 55 days*
read more about Westpac hotpoints Platinum MasterCard Credit Card
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 transferred20.95%0% p.a. for 12 months then 5.95% for the life of the balance...22.95%$125.00 55 days*
read more about Westpac Airpoints MasterCard Credit Card
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 transferred20.95%0% p.a. for 12 months then 5.95% for the life of the balance...22.95%$55.00 55 days*
read more about Westpac Airpoints Platinum MasterCard Credit Card
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 transferred20.95%0% p.a. for 12 months then 5.95% for the life of the balance...22.95%$145.00 44 days*
read more about Westpac Airpoints Business MasterCard Credit Card
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 transfered20.95%5.95% for the life of the balance transfered22.95%$145.00 44 days*
read more about ASB Visa Rewards Credit Card
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 dollar20.95%0% for 6 months22.95%$40.00 55 days*
read more about Westpac BusinessPLUS Mastercard with hotpoints
Westpac BusinessPLUS Mastercard with hotpoints
Earn 1.25 hotpoints® on every dollar you spend on your card plus travel insurance for 35 days20.95%5.95% for the life of the balance transferred22.95%$100.00 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 a non-Kiwibank credit card
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 transferred
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 transferred
Cash Rate:
22.95%
Rewards:
Earn one Airpoints Dollar for every NZD$65 spent on the card plus get 0% p.a. on balance transf...
Annual Fee:
$390 per year Paid in two 6-monthly instalments of $195
Interest Free:
55 days*
Description:
Spend $15 on eligible purchases and get 1 Fly Buys point or spend $75 on eligible purchase and get $1 cash reward.
Purchase Rate:
18.95%
Balance Transfer:
0% p.a. for 12 months
Cash Rate:
18.95%
Annual Fee:
$150 charged as $72.50 half yearly. Additional card $20 p.a
Interest Free:
55 days*
Description:
Every $59 you spend earn you 1 Airpoints Dollar
Purchase Rate:
19.95%
Balance Transfer:
N/A
Cash Rate:
21.95% p.a. No interest free period. Available for enrolled Card Members only
Rewards:
Earn 1 Airpoints DollarTM for every $59 you spend on your Card
Annual Fee:
$195 p.a.
Interest Free:
N/A*
Description:
Get an introductory offer of 20,000 Membership Rewards Bonus Points
Purchase Rate:
19.95%
Balance Transfer:
N/A
Cash Rate:
21.95% p.a. No interest free period. Available for enrolled Card Members only
Rewards:
Earn up to 3 Membership Rewards points per dollar spent
Annual Fee:
$149 p.a.
Interest Free:
N/A*
Description:
Earn 1 Air New Zealand Airpoints DollarTM for every $100 you spend plus 0% on purchases for the first 6 months
Purchase Rate:
19.95%
Balance Transfer:
N/A
Cash Rate:
21.95% p.a. No interest free period. Available for enrolled Card Members only
Rewards:
Earn 1 Air New Zealand Airpoints DollarTM for every $100 you spend
Annual Fee:
No Annual Fee
Interest Free:
N/A*
Description:
Get one True Rewards Dollar for every $100 you spend plus travel insurance for you, your spouse and your dependent children
Purchase Rate:
19.95%
Balance Transfer:
0% for 6 months
Cash Rate:
22.95%
Rewards:
Earn True Rewards, Travel Insurance
Annual Fee:
$80.00
Interest Free:
55 days*
Description:
Earn one True Reward Dollar for every $100 you spend in purchases on your card. One True Rewards Dollar equals one New Zealand dollar.
Purchase Rate:
19.95%
Balance Transfer:
0% for 6 months
Cash Rate:
22.95%
Annual Fee:
$70 pa paid at $35 6 monthly
Interest Free:
55 days*
Description:
Get 5% off at The Warehouse when you pay with the Warehouse Money Visa Card - even on sale items! (exclusions apply)
Purchase Rate:
19.95%
Balance Transfer:
N/A
Cash Rate:
22.95%
Rewards:
Get 5% off at The Warehouse when you pay with the Warehouse Money Visa Card - even on sale item...
Annual Fee:
$0.00 (No-annual fee)
Interest Free:
55 days*
Description:
Apply today and get a free $50 dollar voucher (conditions apply). Earn 2 purple dollars for every $150 spent at The Warehouse and 1 purple dollar for...
Purchase Rate:
19.95%
Balance Transfer:
N/A
Cash Rate:
22.95%
Rewards:
Apply today and get a free $50 dollar voucher (conditions apply). Earn 2 purple dollars for eve...
Annual Fee:
$0.00 (no-annual fee)
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 maximum of $30,000 spend
Annual Fee:
Get $0 annual fee for the first 12 months on all new ANZ credit cards. $60 per annum after that...
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 spend limit for cash back
Annual Fee:
Get $0 annual fee for the first 12 months on all new ANZ credit cards. $125 per annum after tha...
Interest Free:
55 days*
Description:
Earn 1 Airpoints DollarTM for every $120 dollars you spend on eligible purchase with the ANZ Airpoint Visa Card
Purchase Rate:
20.95%
Balance Transfer:
N/A
Cash Rate:
22.95%
Rewards:
Earn 1 Airpoints DollarTM for every $120 dollars you spend on eligible purchases
Annual Fee:
$65 p.a.(charged $32.50 half-yearly)
Interest Free:
44 days*
Description:
Earn 1 Airpoints Dollar for every $75 you spend on eligible purchases plus travel insurance, airpoints, no Koru fees etc
Purchase Rate:
20.95%
Balance Transfer:
N/A
Cash Rate:
22.95%
Rewards:
For every $75 dollars you spend you will earn 1 Airpoints Dollar, plus 1 Status Point for every...
Annual Fee:
$150.00
Interest Free:
44 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 from a non-Kiwibank credit card
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 from a non-Kiwibank credit card
Cash Rate:
22.95%
Annual Fee:
$150 p.a (charged $75 half-yearly)
Interest Free:
44 days*
Description:
Get 1 Fly Buys point for every $40 of eligible spend or $1 Cash Reward for every $150 of eligible spend plus a great balance transfer offer of 0% for...
Purchase Rate:
20.95%
Balance Transfer:
0% p.a. for 12 months
Cash Rate:
22.95%
Annual Fee:
$40 charged as $20 half yearly. Additional card $12 p.a
Interest Free:
55 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 transferred
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 transferred
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 transferred
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 6-monthly instalments of $27.5...
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 transferred
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:
Get one True Rewards Dollar for every $150 you spend on your ASB Visa Rewards. One True Rewards Dollar equals one New Zealand dollar
Purchase Rate:
20.95%
Balance Transfer:
0% for 6 months
Cash Rate:
22.95%
Rewards:
Earn True Rewards Dollars that can be redeemed instantly at our partner stores or online.
Annual Fee:
$40.00
Interest Free:
55 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*
Back to top ↑ Some credit card rewards schemes also offer benefits like free travel insurance, purchase protection, travel lounge access and more.

The best credit card reward points scheme for you depends on how you plan to use your credit card. Our frequently asked questions below might provide you with the information you need to choose the best reward credit card for you.

If you expect to carry a sizeable debt in the future, then a low rate credit card migh

What to consider before getting a Rewards credit card?

The best way to take advantage of credit cards is with a rewards credit card, but a reward credit card might not be suitable for you if you already have a significant credit card debt or if you expect to carry a sizeable debt on your new credit card. t be a better option, but if you have a sizeable credit card debt then a balance transfer credit card might be more suitable.

On the other hand, if you are not interested in reward points or the benefits that come with a reward credit card, then you could opt for a zero fee credit card to save on the annual fee. Below are some of the frequently asked questions about rewards credit cards.

Frequently asked questions about rewards credit cards (click to scroll to answer)

  1. Should I apply for a Rewards credit card?
  2. When is a Reward credit card NOT suitable?
  3. Are there any hidden fees or surprises?
  4. Are there any Reward cards with low interest rate?
  5. How much are the reward points worth?
  6. What can I use my reward points for?
  7. Do you have signup bonus reward cards?
  8. What type of reward cards are available?
  9. How can I tell if a reward card is good?

1. Should I apply for a reward credit card?

If you expect to pay off your credit card debt on time and in full without a problems then a reward credit card might be suitable for you as it allows you to take advantage of all the benefits associated with rewards credit cards.

Back to FAQ ↑

2. When is a rewards credit card NOT suitable for me?

A reward credit card without a decent balance transfer offer might not be suitable for you if you currently have a significant credit card debt. Instead, you might want to consider a balance transfer credit card with an ongoing low purchase rate.

A reward credit card might also not be suitable for you if you plan to take on a significant credit card debt without paying it off on time. In this case a low interest credit card might be more suitable.

Back to FAQ ↑

3. Are there any hidden fees or surprises I should be aware of?

Most credit cards require a minimum repayment to be made each month and if you fail to make this payment then a penalty fee or penalty rate might be applied each month. You need to make sure you understand what penalty rate or fee would apply before purchasing a credit card. Rewards credit cards also tend to have a higher annual fees.

Direct cash withdrawals are also generally charged at a higher rate as indicated by the cash rate on the card details. Back to FAQ ↑

4. Are there any reward cards with low interest rate?

In general, rewards credit cards tend to have a higher interest rates than other credit cards. It is rare to find a reward card with a low interest rate, but you have come to the right place; You can use our credit card finder to filter through all the credit cards on here to find exactly what you are looking for. If it exists you are likely to find it on here. Back to FAQ ↑

5. How much are the credit card reward points worth?

The value of reward points on credit cards can vary significantly from one credit card to another so it does not make sense to compare reward points by volume of points alone. For example, 1,000 points might be worth $1,000 with one credit card and yet just $1 with a different credit card.

You need to understand how much each point is worth and NOT simply go for the credit card with the highest amount of points. Some credit cards also offer bonus points depending on how you use your credit card and how much you spend. This is worth looking into to see if you can get some bonus points.

Back to FAQ ↑

6. What can I use the reward points on my Credit Card for?

This depends on the specific credit card. Some credit card reward points can only be redeemed for flights or used in store, whereas others are more flexible and can be redeemed in multiple locations, with some even allowing points to be redeemed as cash.

It is important to think about how you are going to use your reward points before you apply for a reward credit card. For example if you do not fly often then airpoints might not be worth much to you.

Back to FAQ ↑

7. Do you have signup bonus reward cards?

Sign up bonus credit cards are not hugely common in New Zealand, but there are some credit card providers such as Amex who do offer sign up bonuses. Use our credit card finder tool to find the right credit card for you.

Back to FAQ ↑

8. What type of reward cards are available?

There are a range of rewards programs available in New Zealand including airpoints, hotpoints, flybuys, purple points and much more.

Some of these programs only allow you to redeem your points for flights or to use in-store whereas others are more flexible and allow you to redeem your points at multiple locations or redeem it for cash. Back to FAQ ↑

9. How can I tell if a reward card is good?

  • Not all points are equal – It is important to know that not all points are the same. A point from one reward scheme might be worth twice as much as a point from another reward scheme.
  • Reward points capping – Many reward schemes have reward point caps – meaning you cannot earn more than a certain number of point per year. This is a very important factor when considering reward programs to choose from.
  • Reward points expiry – Some reward programs have reward point expiry which can be frustrating since this information is usually buried in the small print.
  • East of point redemption – Make sure you know how to redeem your points before you apply for a reward credit card. This is important to avoid any frustration down the line after you have gone through the hassle of collecting your points. Some programs make it very difficult to redeem points whereas others go as far as automating the process.
  • Flexibility – Some reward points can only be redeemed for flights or used as store credit. Make sure you know what you can redeem your points for.
  • Bonus points – Some cards offer sign up bonus or spending bonus. Store or business specific credit cards offer extra points for shopping within the store or business. This in important information if you tend to spend a lot of money with at the store or business.

Back to FAQ ↑

If you have any questions regarding reward credit cards please feel free to contact us. But please keep in mind that we do not offer advice on which credit card to get or which reward program to join – we simply offer the information you need to make a decision. We hope you enjoy our website and we are able to help you find the right credit card for you.

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