Credit Cards Rewards — Compare and find the best credit card rewards in NZ to suit your needs

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Credit Card Rewards in NZ - January, 2019

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Card	Description	Purchase Rate (p.a.)	Balance Transfer	Cash Rate (p.a.)	Annual Fee	Interest Free Days
The American Express Airpoints Platinum Card	This is a Great Rewards credit card. It is the FASTEST Airpoints DollarTM earning Platinum Credit Card. Every $59 you spend earns you 1 Airpoints Dollar. Other benefits include Free Travel Insurance and VIP Lounge access. CURRENT OFFER: Get 300 bonus Airpoints DollarsTM when you apply online by 1 April 2019 and spend $1,500 within 3 months from card approval.	19.95%	N/A	21.95% p.a. No interest free period. Available for enrolled Card Members only	$195.00	55 days More Info » Apply Now » No documents required to apply1
The American Express Airpoints Card	INTEREST FREE on purchases for the first 6 months, plus earn 1 Air New Zealand Airpoints Dollar for every $100 you spend. What's more, you pay No-Annual fee.	0% p.a. for the first 6 months reverting to 19.95% p.a. thereafter	N/A	21.95% p.a.	$0.00	N/A More Info » Apply Now » No documents required to apply1
The American Express Platinum Edge Credit Card	Earn up to 3 Membership Rewards points per dollar spent, plus get complimentary Travel Insurance and 20,000 Membership Rewards Bonus Points. Terms and conditions apply.	2.99% p.a. for the first 6 months then reverts to 19.95% p.a. thereafter	N/A	21.95% p.a. No interest free period for Cash Withdrawal. Available for enrolled Card Members only	$149.00	N/A More Info » Apply Now » No documents required to apply1
The Warehouse Money Visa Credit Card	Get 5% off at The Warehouse when you pay with the Warehouse Money Visa Card	19.95%	N/A	22.95%	$0.00	55 days More Info » Apply Now » No documents required to apply1
Warehouse Money Purple Visa Credit Card	Earn 2 purple dollars for every $150 spent at The Warehouse and 1 purple dollar for every $150 spent wherever Visa is accepted	19.95%	N/A	22.95%	$0.00	55 days More Info » Apply Now » No documents required to apply1
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 from a non-Kiwibank credit card	22.95%	$25.00	44 days More Info » Apply Now » No documents required to apply1
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 6 months	20.95%	0% p.a. for 6 months	22.95%	$40.00	55 days More Info » Apply Now » No documents required to apply1
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 dollar	20.95%	0% for 6 months	22.95%	$40.00	55 days More Info » Apply Now » No documents required to apply1
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%	5.95% for the life of the balance transferred	22.95%	$44.00	55 days More Info » Apply Now » No documents required to apply1
Westpac Airpoints MasterCard Credit Card	Earn one Airpoints Dollar for every NZD$120 spent on the card plus 5.95% for the life of the balance transferred	20.95%	5.95% for the life of the balance transferred	22.95%	$55.00	55 days More Info » Apply Now » No documents required to apply1
ANZ CashBack Visa Credit Card	Earn up to 1% cash back on eligible purchases on eligible spend up to $30,000	20.95%	N/A	20.95%	$60.00	55 days More Info » Apply Now » No documents required to apply1
ANZ Airpoints Visa Credit Card	Earn 1 Airpoints DollarTM for every $120 dollars you spend on eligible purchase with the ANZ Airpoint Visa Card	20.95%	N/A	20.95%	$65.00	44 days More Info » Apply Now » No documents required to apply1
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 balance from a non-Kiwibank credit card	22.95%	$65.00	44 days More Info » Apply Now » No documents required to apply1
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 months	22.95%	$70.00	50 days More Info » Apply Now » No documents required to apply1
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 children	19.95%	0% for 6 months	22.95%	$80.00	55 days More Info » Apply Now » No documents required to apply1
BNZ Advantage Visa Platinum Credit Card	Spend $15 on eligible purchases and get 1 Fly Buys point or spend $90 on eligible purchase and get $1 cash reward.	18.95%	0% p.a. for 6 months	18.95%	$90.00	55 days More Info » Apply Now » No documents required to apply1
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	20.95%	$125.00	55 days More Info » Apply Now » No documents required to apply1
Westpac hotpoints Platinum MasterCard Credit Card	Earn 2 hotpoints® for every $1 spent on the card plus a balance transfer offer of 5.95% for the life of the balance transferred	20.95%	5.95% for the life of the balance transferred	22.95%	$125.00	55 days More Info » Apply Now » No documents required to apply1
Westpac Airpoints Platinum MasterCard Credit Card	Earn 1 Airpoints Dollar for every $75 spent on the card plus get 5.95% for the life of the balance transferred	20.95%	5.95% for the life of the balance transferred	22.95%	$145.00	44 days More Info » Apply Now » No documents required to apply1
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 etc	20.95%	N/A	20.95%	$150.00	44 days More Info » Apply Now » No documents required to apply1
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 balance from a non-Kiwibank credit card	22.95%	$150.00	44 days More Info » Apply Now » No documents required to apply1
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%	5.95% for the life of the balance transferred	22.95%	$390.00	55 days More Info » Apply Now » No documents required to apply1
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%	16.95%	5.95% for the life of the balance transferred	22.95%	$390.00	55 days More Info » Apply Now » No documents required to apply1
The American Express Platinum Card	Earn 2 Membership Rewards points per dollar spent on your Card, plus Receive 80,000 Membership Rewards Bonus Points when you apply, are approved and spend $1,500 on your Card within your first 3 months of Card Membership	0.00%	N/A	$2 per transaction when Express Cash is requested using the Card in New Zealand or $5 per transaction when Express Cash...	$1248.00	N/A More Info » Apply Now » No documents required to apply1

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About Credit Card Rewards

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

Most Rewards Credit Cards also come with other extra benefits such as free travel insurance, free purchase protection, free travel lounge access and more. The best credit cards rewards scheme for you would depend on how you plan to use your credit card, and what extra benefits you find attractive.

Our frequently asked questions below about credit card rewards might provide you with the information you need to choose the best credit card rewards NZ offer to suit your needs. Or if you prefer, you can browse through our selection of the Best Credit Card Rewards in NZ, but keep in mind, the best rewards credit card for you might vary.

What to Consider Before Getting a Credit Card Rewards Card?

The best way to take advantage of credit cards is with a rewards credit card, but a rewards 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.

Other Options to Credit Card Rewards:

If you expect to carry a sizeable debt on your credit card, then a low rate credit card might be more suitable for you and if you currently have a significant credit card debt then a balance transfer credit card might be more suitable.

Dollar Value and Fees of Rewards Credit Cards:

To take advantage of reward credit card deals, you need to take into account the dollar value of the reward points you receive per $100 spent. A reward point from one credit card might be worth 1 cent and from another credit card worth $1. You also need to take into account the extra benefits you get from the credit card reward programme.

Best Credit Card Rewards:

If you tend to travel a lot for example, you might find that a free travel lounge access is worth a lot more to you. Of course, you also need to also take into account the annual fee of the card. We have compiled a list of our selected Best Credit Card Rewards in NZ as a guide, but please keep in mind that the best credit card rewards deal is highly subjective.

Frequently Asked Questions About Credit Cards Rewards 

1. Should I apply for a Reward Credit Card?
2. What is the Best Credit Card Rewards Card in NZ?
3. Are there Any Hidden Fees or Surprises with Credit Card Rewards?
4. Are there Any Reward cards with Low Interest Rates?
5. How Much are The Credit Cards Rewards Points Worth?
6. What Can I Use My Credit Card Reward Points for?
7. Do you have Signup Bonus Rewards Credit Cards?
8. What type of Credit Card Rewards are Available?
9. How Can I Tell if a Reward Credit Card is Good?
10. When is a Credit Card Reward Card NOT suitable?

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.

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2. What is the Best Credit Card Rewards Card in NZ?

We get asked this question a lot, so we have compiled a list of our selected Best Credit Card Rewards cards, but the best reward credit card for each individual is highly subjective, and we encourage you to review all the Rewards Credits cards and on our rewards credit card page to find the best rewards credit card to suit you personally.

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3. Are there Any Hidden Fees or Surprises with Credit Card Rewards?

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.

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4. Are there Any Reward cards with Low Interest Rates?

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.

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5. How Much are The Credit Cards Rewards 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.

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6. What Can I Use My Credit Card Reward Points 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.

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7. Do you have Signup Bonus Rewards Credit 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.

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8. What type of Credit Card Rewards 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.

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9. How Can I Tell if a Reward Credit 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.

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10. When is a Credit Card Reward Card NOT suitable?

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.

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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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1. Documents not required with initial application, but might be required if your application is successful