Guides to NZ credit cards: how they work, how the main cards compare by type, and reviews of individual cards. Most NZ cards charge around 20.95% p.a. on purchases, low-rate cards charge about 13% to 14%, and the main rewards currency is Air New Zealand Airpoints.
Start Here
| Guide | What it covers |
|---|---|
| How credit cards work in NZ | Statements, interest-free days, how interest is charged, cash advances, chargebacks |
| Credit cards compared by type | Airpoints, low-rate, no-fee and travel cards side by side |
| First credit card | What to compare for a first card and how it builds credit history |
| How to avoid credit card debt | Habits that keep a card from becoming debt |
Comparisons by Card Type
| Guide | What it covers |
|---|---|
| Airpoints credit cards | Airpoints-earning cards, fees and earn rates |
| Low interest credit cards | Low-rate cards’ purchase rates and fees |
| No annual fee cards | Cards with no annual fee |
| Travel credit cards | Overseas fees and travel cover |
| Rewards credit cards | Points and cashback cards |
| Credit cards for groceries | Rewards on supermarket spending |
| Balance transfer credit cards | Moving a balance to a lower promotional rate |
Card Reviews
Listed alphabetically.
- American Express Airpoints Card
- American Express Airpoints Platinum
- ANZ Airpoints Visa
- ANZ Airpoints Visa Platinum
- ANZ Platinum Visa
- ASB Visa Light
- BNZ Advantage Visa Platinum
- Kiwibank Zero Visa
- Westpac hotpoints Mastercard
- Westpac Low Rate Mastercard
Where to check the latest data
Rates, fees and returns change often. Before deciding, check current figures yourself:
- interest.co.nz credit card rates: tables of current credit card interest rates and fees.
- The provider's own website: has its current rates, fees and full terms; these change more often than any comparison page.
- Financial Service Providers Register: shows whether a provider is registered to offer financial services in New Zealand.