Visa Credit Cards – Review and Apply for Visa Credit Cards

Visa is one of the largest credit card brands in the world, and is accepted in most countries. Below are all the Visa credit cards available in New Zealand. Use the credit card comparison table below to compare and find the best Visa credit card for you.

To apply for a Visa credit card, simply click on the “Apply Now” button to review the details before applying. For more information about a specific card on our site, click on the “more info” link.

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: Be rewarded with 400 bonus Airpoints Dollars™ when you apply, are approved and spend $1,500 on your new Card within the first 3 months. New Amex Card Members only. Offer ends 26th May 2025.

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*Terms and conditions apply

Updated: 28 Apr, 2025

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Card	Description	Purchase Rate (p.a.)	Balance Transfer	Cash Rate (p.a.)	Annual Fee	Interest Free Days
Kiwibank Business Low Rate Visa Credit Card Gold Award (Business)	The Kiwibank Business Low Rate Visa Credit Card is a business credit card with a relatively low purchase rate of 12.50% and a relatively low annual fee of $25.00 per card charged as $6.25 per quarter.	12.50%	N/A	N/A	$25.00	49 days More Info » Apply Now »
Kiwibank Zero Visa Credit Card Platinum Award (Personal)	A low rate credit card with no annual fee and a 1.99% balance transfer for 6 months	12.90% p.a.	1.99% p.a. for 6 months	12.90% p.a.	$0.00	55 days More Info » Apply Now »
ASB Visa Light Credit Card Gold Award (Personal)	The ASB Visa Light credit card has no annual fee, a low purchase rate and 0% balance transfer for 6 months plus 0% p.a. for 6 months when you spend $1,000 or more on any single eligible purchase	13.5% p.a.	0% p.a. for 6 months	22.95% p.a.	$0.00	55 days More Info » Apply Now »
BNZ Lite Visa Credit Card Gold Award (Personal)	BNZ Lite Visa Credit Card is a low interest rate credit card with a purchase rate of 13.50% p.a.	13.50% p.a.	N/A	22.95% p.a.	$10.00	55 days More Info » Apply Now »
ANZ Low Rate Visa Card Gold Award (Personal)	Features a low interest rate of 13.90% and a balance transfer rate of 1.99% for 24 months	13.90%	1.99% p.a. for 24 months	20.95%	$0.00	55 days More Info » Apply Now »
ANZ Visa Business Low Rate credit card Gold Award (Business)	The ANZ Visa Business Low Rate Card is a low interest business credit card with a low purchase rate of 13.90% p.a. and an annual fee of $35.00.	13.90%	N/A	20.95%	$35.00	55 days More Info » Apply Now »
BNZ Business First Lite Visa Credit Card Gold Award (Business)	The BNZ Business First Lite Visa Card is a low interest rate business credit card with a purchase rate of 14.95%% p.a. and a monthly fee of $5 per card (equivalent of $$60.00 annual fee). The BNZ Business First Lite Visa Credit Card is a very basic business credit card with no major rewards or perks and might be suitable for businesses who tend to or plan to carry a balance on their credit card.	14.95%	N/A	N/A	$60.00	55 days More Info » Apply Now »
Kiwibank Air New Zealand Airpoints Low Fee Visa Credit Card Gold Award (Personal)	Earn 1 Airpoints Dollar™ for every $200 spent on eligible purchases. Reward Points Cash Equivalent: $100 spend earns $0.50 cash equivalent^.	16.90% p.a.	1.99% p.a. for 6 months	16.90% p.a.	$50.00	44 days More Info » Apply Now »
BNZ Advantage Visa Business Credit Card Gold Award (Business)	The BNZ Advantage Visa Business Credit Card is a business rewards credit card that allows you to earn 2 BNZ Point for every $1 you spend on eligible business purchases. The earned BNZ Points can be redeem for rewards such as travel, gift cards or cash back to your credit card account. The BNZ Advantage Visa Business Credit Card charges an annual fee of $100.00 and a purchase rate of 18.95% p.a.	18.95%	N/A	N/A	$100.00	50 days More Info » Apply Now »
BNZ Advantage Visa Platinum Credit Card Gold Award (Personal)	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 More Info » Apply Now »
SBS Visa Credit Card Gold Award (Personal)	A No annual fee credit card that allows you to earn $1 for every $150 spent on eligible transactions. Reward Points Cash Equivalent: $100 spend earns $0.66 cash equivalent^.	19.65%	N/A	22.65%	$0.00	55 days More Info » Apply Now »
ASB Visa Business Rewards Credit Card Gold Award (Business)	The ASB Visa Business Rewards Credit Card is a business rewards credit card that allows you to earn either True Rewards or Everyday Rewards. For True Rewards, you get 1 True Rewards Dollar for every $100 you spend with your ASB Visa Business Rewards Credit Card, and for Everyday Rewards, you earn 1 Everyday Rewards point for every $1 you spend on your card.	19.95%	0.00%	22.95%	$70.00	50 days More Info » Apply Now »
SBS Pink Ribbon Visa Credit Card Platinum Award (Personal)	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 More Info » Apply Now »
ASB Visa Platinum Rewards Credit Card Gold Award (Personal)	Choose between True Rewards or Everyday Rewards points. Earn 1 True Rewards Dollar for every $100 you spend or 1 Everyday Rewards point for every $1 spent on your ASB card. This card also comes with travel insurance for you, your spouse and your dependent children. Reward Points Cash Equivalent: $100 spend earns $1.00 cash equivalent in True Rewards points^.	19.95%	0% p.a. for 6 months	22.95%	$80.00	55 days More Info » Apply Now »
Countdown Onecard Visa Credit Card Gold Award (Personal)	This card has been suspended and no applications are being accepted. Every $1,000 you spend at Countdown earns you $90. Earn 2x Onecard points and AA Smartfuel discounts at Countdown with the Onecard Visa card. Additionally, earn Onecard points wherever Visa is accepted.	19.99%	N/A	22.99%	$65.00	55 days More Info » Apply Now »
ANZ Visa Purchasing Credit Card Gold Award (Business)	The ANZ Visa Purchasing Credit Card is a standard business credit card that make it easier to manage frequent, low value business credit card transactions made by a large number of cardholders.	20.95%	N/A	20.95%	$35.00	Monthly Direct Debit Payment More Info » Apply Now »
BNZ Advantage Classic Visa Credit Card Gold Award (Personal)	Earn 1 BNZ Point for every $1 you spend on eligible purchases. Reward Points Cash Equivalent: $100 spend earns $0.67 cash equivalent^.	20.95%	N/A	22.95%	$40.00	55 days More Info » Apply Now »
ASB Visa Business Credit Card Gold Award (Business)	The ASB Visa Business Credit Card is a standard business credit card that allows you to have multiple cards for employee with set credit limits for each card. It charges an annual fee of $30.00 and purchase rate of 20.95%.	20.95%	N/A	N/A	$30.00	50 days More Info » Apply Now »
ANZ Airpoints Visa Credit Card Gold Award (Personal)	Earn 1 Airpoints DollarTM for every $170 dollars you spend on eligible purchase with the ANZ Airpoint Visa Card. Reward Points Cash Equivalent: $100 spend earns $0.58 cash equivalent^.	20.95%	N/A	20.95%	$65.00	44 days More Info » Apply Now »
ANZ Airpoints Visa Platinum Credit Card Gold Award (Personal)	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 More Info » Apply Now »
Kiwibank Air New Zealand Airpoints Platinum Visa Credit Card Gold Award (Personal)	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 More Info » Apply Now »
ANZ Visa Business Airpoints credit card Gold Award (Business)	The ANZ Visa Business Airpoints credit card is a rewards credit card that allows you to earn 1 Airpoints Dollar for every $85 dollars you spend on eligible business purchases or 1 Airpoints Dollar per $50 of spend directly with Air New Zealand (for the first $25,000 spent directly with Air New Zealand per business per annum).	20.95%	N/A	20.95%	$145.00	44 days More Info » Apply Now »
ANZ Visa Business CashBack credit card Gold Award (Business)	The ANZ Visa Business CashBack credit card is a rewards business credit card that offers $1 cash back for every $90 spent on eligible purchases using the ANZ Visa Business CashBack credit card. It charges $95.00 annual fee and has a purchase rate of 20.95%.	20.95%	N/A	20.95%	$95.00	55 days More Info » Apply Now »
ASB Visa Rewards Credit Card Gold Award (Personal)	Get one True Rewards Dollar for every $150 you spend on your ASB Visa Rewards. One True Rewards Dollar equals one New Zealand dollar. Reward Points Cash Equivalent: $100 spend earns $0.66 cash equivalent^.	20.95%	0.00% for 6 months	22.95%	$40.00	55 days More Info » Apply Now »
ANZ Visa Corporate Credit Card Gold Award (Business)	The ANZ Visa Corporate Credit Card is a standard business credit card that make it easier to manage your business expenses. It charges an annual fee of $35.00 and has a purchase rate and cash advance rate of 20.95%.	20.95%	N/A	20.95%	$35.00	Up to 45 days More Info » Apply Now »
Purple Visa Credit Card (Purple Visa NZ) Gold Award (Personal)	The Purple Card offers 1 purple dollar for every $150 spent wherever Visa is accepted plus 12 months interest free for purchases over $250 from participating retailers. Reward Points Cash Equivalent: $100 spend earns $0.66 cash equivalent^.	26.65% p.a. Plus 12 months interest free for purchases over $250 from select stores	N/A	29.40%	$55.00	55 days More Info » Apply Now »
Gem Visa Credit Card Gold Award (Personal)	The Gem Visa credit card comes with a purchase rate of 29.49% and an annual fee of $65 p.a. Get 0% for the first 6 months on purchases $250 or more. T&Cs apply.	29.49% plus 0% interest for 6 months on purchases $250 or more. T&Cs apply.	N/A	29.95%	$65.00	55 days for purchases under $250 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: Be rewarded with 400 bonus Airpoints Dollars™ when you apply, are approved and spend $1,500 on your new Card within the first 3 months. New Amex Card Members only. Offer ends 26th May 2025.

More Info »

*Terms and conditions apply

About Visa Credit Cards

Visa is one of the most recognised names in the global financial world, including New Zealand. As a major player in the payments industry, Visa has revolutionised the way Kiwis make transactions, whether at home or abroad.

The History of the Visa Payment Network

Visa’s story began in 1958 when Bank of America launched the BankAmericard, a credit card designed to offer consumers a convenient alternative to cash and checks. The card’s success led to the establishment of a national system, and by 1976, the name “Visa” was adopted, symbolising the brand’s vision of a universal and seamless payment method accepted globally.

Visa quickly became a global leader in electronic payments by expanding its network internationally and introducing innovative technologies. In the 1980s and 1990s, Visa led the way in developing secure electronic payment methods, including the adoption of magnetic stripe technology and the later introduction of EMV chip cards, which significantly enhanced the security of card transactions.

In New Zealand, Visa gained traction as the banking sector evolved and digital payment methods became more prevalent. Over the years, Visa has become synonymous with convenience, security, and global acceptance, making it a preferred choice for millions of Kiwis.

Types of Visa Cards Available in New Zealand

Visa offers a wide range of cards in New Zealand, catering to different financial needs and lifestyles. The main types include:

• Debit Visa Cards: Linked directly to a bank account, debit Visa cards allow users to spend only what they have. These cards are popular among New Zealanders who prefer to manage their finances without incurring debt. Debit Visa cards are widely accepted across New Zealand and can be used for online and international transactions.
• Credit Visa Cards: Credit Visa cards provide a line of credit that cardholders can borrow against and repay over time. These cards often come with additional benefits such as rewards programs, cashback offers, and travel insurance. They are ideal for individuals who want flexibility in managing their cash flow and enjoy earning rewards on their spending.
• Prepaid Visa Cards: Prepaid Visa cards are loaded with a specific amount of money, making them an excellent option for budgeting, gifting, or for those who do not qualify for a credit card. These cards are not linked to a bank account, offering users an additional layer of control over their spending.
• Business Visa Cards: Designed for businesses, these cards help companies manage expenses, track spending, and streamline accounting processes. Business Visa cards often feature higher credit limits, expense tracking tools, and rewards programs tailored to business needs.
• Platinum and Visa Signature Cards: These premium cards offer enhanced benefits, including higher rewards, exclusive travel perks, and access to special 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 a Visa Card in New Zealand

Visa cards offer a multitude of benefits to users in New Zealand, making them a popular choice for both personal and business use.

• Global Acceptance: Visa is accepted at millions of locations worldwide, making it an ideal choice for international travelers and online shoppers. Whether you’re purchasing groceries in Auckland or booking a hotel in Paris, Visa’s global reach ensures your card will be accepted.
• Security: Visa employs advanced security technologies to protect users from fraud and unauthorised transactions. Features such as EMV chip cards, Visa Secure (formerly known as Verified by Visa), and continuous fraud monitoring provide peace of mind to cardholders. In addition, Visa’s Zero Liability Policy ensures that cardholders are not held responsible for fraudulent transactions.
• Convenience: Visa cards offer convenience through various channels, including contactless payments, mobile wallet integration (e.g., Apple Pay, Google Pay), and seamless online shopping. In a country where digital payments are becoming the norm, these features are particularly valuable.
• Rewards and Perks: Many Visa cards come with rewards programs that allow users to earn points, cashback, or Airpoints for every dollar spent. These rewards can be redeemed for travel, merchandise, or statement credits. Some cards also offer additional perks such as travel insurance, purchase protection, and concierge services.
• Financial Management Tools: Visa 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 real-time transaction alerts, helping them manage their finances more effectively.

Visa Card Competitors in New Zealand

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

• Mastercard: Mastercard is Visa’s primary global competitor, offering similar products and services. Both Visa and Mastercard are widely accepted and provide comparable rewards programs, security features, and global reach. The choice between the two often comes down to personal preference or the specific benefits offered by a particular card.
• American Express (Amex): American Express cards are known for their premium rewards, particularly in the travel and entertainment sectors. However, Amex cards are not as widely accepted as Visa or Mastercard in New Zealand, which can be a limiting factor for some consumers. Despite this, Amex remains a popular choice for those who value its unique rewards and customer service.
• EFTPOS: EFTPOS (Electronic Funds Transfer at Point of Sale) cards are widely used 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 Visa.
• Buy Now, Pay Later (BNPL) Services: BNPL services like Afterpay and Laybuy have gained popularity in New Zealand, especially among younger consumers. These services allow users to make purchases and pay for them in installments. While BNPL services offer an alternative to traditional credit cards, they do not provide the same level of rewards, security, or global acceptance as Visa.
• 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 Visa.

The Future of Visa in New Zealand

The future of Visa in New Zealand looks promising, driven by ongoing innovation and the changing needs of consumers.

• Digital Payments Growth: As digital payments continue to gain traction, Visa is expected to expand its offerings in mobile payments, digital wallets, and online banking. The company’s focus on integrating emerging technologies such as blockchain and artificial intelligence will enhance security and offer new services to consumers.
• Sustainability Initiatives: Visa is increasingly focusing on sustainability, which is becoming a critical consideration for consumers. In New Zealand, this could mean more eco-friendly initiatives, such as offering cards made from recycled materials or partnering with local organisations to support environmental causes.
• Enhanced Security: As cyber threats become more sophisticated, Visa will continue to invest in advanced security technologies. Innovations in biometric authentication, real-time fraud detection powered by AI, and enhanced encryption will play crucial roles in safeguarding users’ data and transactions.
• Personalization: Visa is likely to offer more personalised experiences in the future, with rewards programs tailored to individual spending habits. This could include dynamic cashback rates, customised offers, and partnerships with local businesses, creating a more engaging and relevant experience for cardholders.
• Financial Inclusion: Visa is committed to expanding financial inclusion, ensuring that more people have access to financial services. In New Zealand, this could involve developing products aimed at underserved populations, such as young adults or those with limited credit histories, helping them build a solid financial foundation.

Visa 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, Visa provides flexibility, security, and convenience to its users. While it faces competition from other payment methods, Visa’s global acceptance, innovative features, and commitment to sustainability position it well for the future. As digital payments continue to evolve, Visa 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.