Credit Cards Compare NZ is a New Zealand credit cards comparison site that compares all credit cards in NZ

We’ve compiled a list of all Credit Cards in New Zealand below to help you compare and find the best credit card in NZ to suit your needs including rewards credit cards, frequent flyer credit cards, interest free credit cards, travel credit cards and more. Compare credit cards in NZ below to find the best credit card for you!

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. This card also includes complimentary Travel Insurance, VIP Lounge access and more. CURRENT OFFER: Receive 300 bonus Airpoints Dollars™ when you apply online, are approved and spend $1,500 on your new Card within the first 3 months. New Card Members only.

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*Terms and conditions apply

Updated: 5 Nov, 2024

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NZ Credit Cards

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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 Credit Card Platinum Award	Interest Free (0% P.A.) on purchases for the first 6 months, plus NO ANNUAL FEE and earn 1 Air New Zealand Airpoints Dollar for every $100 you spend. CURRENT OFFER: 50 bonus Airpoints Dollars™ when you apply, are approved and spend $750 on your new Card within the first 3 months. New Card Members only. Reward Points Cash Equivalent: $100 spend earns $1.00 cash equivalent^.	0% p.a. for 6 months then 22.95% p.a.	N/A	22.95% p.a.	$0.00	55 days More Info » Apply Now » No documents required to apply1
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: Complimentary Travel Insurance for domestic and international travel Koru joining fee waived Koru annual fee discount of $145 Two VIP Lounges access with Priority Pass per year. Two entries per year to the Centurion lounge at Sydney or Melbourne International Airport CURRENT OFFER: Receive 300 bonus Airpoints Dollars™ when you apply online, are approved and spend $1,500 on your new Card within the first 3 months. New Card Members only. 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 More Info » Apply Now » No documents required to apply1
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 More Info » Apply Now » No documents required to apply1
ASB Visa Light Credit Card Gold Award	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 »
Westpac Fee Free MasterCard Credit Card Platinum Award	Comes with a low rate of just 12.90% p.a. plus 5.95% p.a. for the life of the balance transferred to this card. it also comes with no annual fee, no cash advance fee and no foreign transaction fees.	12.90% p.a.	5.95% for life of balance transferred	19.95% p.a.	$0.00	55 days More Info » Apply Now »
Amex Low Rate Credit Card Gold Award	A low interest card from Amex with up to 4 supplementary cards with no-annual fee	2.99% p.a. for 6 months then 12.69% p.a.	N/A	21.95% p.a.	$59.00	55 days More Info » Apply Now »
ANZ Low Rate Visa Card Gold Award	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 »
Co-operative Bank Fair Rate Credit Card Gold Award	The Fair Rate Credit Card has a very low purchase rate of 12.95% p.a. plus a balance transfer rate of 0% p.a. for 6 month. This might be a good card if you are looking for a credit card with a low interest rate and/or a card with a 0% p.a. balance transfer offer.	12.95% p.a.	0% p.a. for 6 months	12.95% p.a.	$20.00	55 days More Info » Apply Now »
BNZ Lite Visa Credit Card Gold Award	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 »
Flight Centre Mastercard Credit Card Gold Award	Earn 1.5 Flight Centre Reward for every NZ$100 you spend on a Purchase and 3 Flight Centre Reward points if purchased from Flight Centre. Flight Centre Mastercards has a $50 annual fee and a $55 establishment fee on your first purchase using Long Term Finance. This card charge no foreign transaction fees. The establishment fee reduces to $35 for subsequent Long Term Finance Purchases. Reward Points Cash Equivalent: $100 spend earns $0.66 cash equivalent^.	24.99%	N/A	26.99%	$50.00	Up to 44 days More Info » Apply Now »
Kiwibank Air New Zealand Airpoints Low Fee Visa Credit Card Gold Award	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 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 More Info » Apply Now »
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 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.

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Get 0% p.a. on purchases for the first 6 months with the Amex Airpoints Credit Card, plus NO ANNUAL FEE and you earn 1 Air NZ Airpoints Dollar^TM for every $100 you spend with the Card. CURRENT OFFER: 50 bonus Airpoints Dollars™ when you apply, are approved and spend $750 on your new Card within the first 3 months. New Card Members only.

More Info »

*Terms and conditions apply

About this website

Credit Cards Compare is a Credit Card Comparsion website dedicated to comparing New Zealand credit cards from All the Big Banks and more to help Kiwis make an informed decision and find the best credit card in NZ to meet their needs. If you are interested in a particular type of credit card such as Rewards Credit Cards in NZ, Airpoints Credit Cards, Interest free credit cards or even our selection of the best credit cards in nz use the drop down menue above to narrow down your search.

What is a credit card?

A credit card is an unsecured line of credit which is usually issued in the form of a small plastic card (a credit card) that can be used for making payments in-store or online. Credit cards can also be loaded onto devices such as phones or smartwatches to be used for payment instead of the standard plastic credit card.

A credit card is a convenient way of borrowing money as it provides you with an unsecured line of credit which is available to you when you need it. And since a credit card loan is an unsecured loan, it means you do not have to put up anything as security against the loan unlike a home loan or car loan.

Credit cards can help you manage short term cash-flow problems by allowing you to quickly and easily borrow money for short term use.

A standard plastic credit card is a small plastic card that can easily fit in a wallet and includes the credit card details such as the card holder’s name, the credit card number, credit card expiry date, card issuer, CVC number (on the back) and other encoded information on a computer chip or magnetic strip as shown below.

Haven’t found a suitable card?

To speed up the loading of our website only a few credit cards are loaded on this page by default. Click on the “Load more cards” button below the credit cards table (if you haven’t already) to load all the credit cards on our website to compare and find the best credit card NZ for you. Alternatively, you can use our credit card finder tool to find the best credit card to suit your needs.

If you know the type of credit card you are looking for, then the best place to start is to select the type of credit card from the drop down menu at the top of this page to narrow down your search.

About Us

We are an absolutely FREE New Zealand credit cards comparison website. Each year we help tens of thousands of Kiwis find the best credit card in NZ to suit their needs.

Our Mission

Credit cards can be a great financial tool if used wisely. It is important to choose a credit that suits your personal circumstance, but choosing the right credit card can be difficult if you do not know what the options are. It is also at times difficult to find the relevant information you need on the credit card provider’s website.

We created Credit cards compare NZ, often also referred to as Credit cards NZ or Credit card NZ, to simplify the process of shopping around for credit cards in NZ, and to help Kiwis easily compare New Zealand credit cards all in one place.

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Frequently Asked Questions

Below are some of the questions we get asked frequently about New Zealand credit cards and our website in general.

• Why credit cards comparison?
• What are balance transfer credit cards?
• What is a low rate credit card?
• What is an interest free credit card?
• What is a rewards credit card?
• What is a free credit card?
• What are travel credit cards?
• What are credit card balance transfer offers?
• What is a 0% balance transfer?
• What is the best credit card in NZ?
• What is the best credit card reward in NZ?
• What is a No-annual fee credit card?
• What are no interest credit cards?
• Where can I find Air NZ credit cards?
• How do I apply for a credit card?
• What are the best credit card rewards in NZ?
• What are low rate credit cards?
• What are travel Insurance credit cards?
• What are the types of credit card interest Rates?
• Can I apply for a credit card Online?
• Can I transfer my credit card balance more than once?
• What are the best credit card deals in NZ?
• What are the credit card offers in NZ?
• How do I get a credit card?
• What are cash back credit cards?
• What is a platinum card?
• What is a no fee credit card?
• What are interest free balance transfer cards?
• What is a 0 percent balance transfer?
• What is a 0 interest credit cards?
• What are student credit cards?
• What is a 0% interest balance transfer?
• What are frequent flyer credit cards?
• What credit card fees should I be aware of?
• What is the best rewards credit card?
• What is the best travel credit card?
• What is a zero interest credit card?
• What are the best balance transfer credit cards?
• Where can I find all current credit card balance transfer offers?
• What are low interest rate credit cards?
• Where can I find credit cards with rewards?
• Where can I find credit cards with low interest?
• What are the different types of credit cards available in NZ?

Why a credit card comparison website?

Our credit card comparison website offers convenience, choice, and information – it’s that simple!

Best credit card NZ

We often get asked which is the best credit card in NZ, but the answer to this depends on your personal circumstance and needs, so the best credit card for each individual can vary greatly. Nevertheless, we have put together some of our selected of the best credit cards in NZ.

Best credit card reward in NZ

The best credit card reward in NZ depends on your needs and your personal circumstance; If you are interested in a Rewards credit cards, you can start your search for the best reward credit card for you by visiting our rewards credit cards page to review and compare all the rewards credit cards in NZ on our website.

No-annual fee credit cards

If you rarely use your credit card and only use it as a form of back up payment, then you might prefer a credit card with no annual fee to avoid paying a fee for a credit card that you barely use. No annual fee credit cards are also sometimes referred to as Free credit cards due to the fact that they do not cost anything to possess without using it.

The downside of no-annual fee credit cards is that they tend to have higher interest rates and do not often come with any extra benefits. If you are interested in a zero fee credit card, you can visit our no-annual fee credit cards page to review and compare New Zealand no annual fee credit cards.

How do I apply for a credit card

To apply for a credit card on our website simply click on the “Apply Now” button on the card that you are interested in to go to the credit card provider’s website to apply online. You must be a New Zealand citizen or permanent resident to apply for and be approved for a credit card with most New Zealand providers.

In most cases, you do not need any documents with your initial application. For more information read our guide to applying for a credit card online.

Best credit card rewards in NZ

The best rewards credit card is subjective and depends a lot on your needs and personal circumstance. It is important to take into account the annual fees with Reward credit cards since some rewards credit cards can have hefty annual or membership fees. You can find a list of New Zealand rewards credit cards on our rewards credit cards page.

Types of credit card interest rates?

Credit cards tend to have multiple types of interest rates. The most common of these interest rates include the four listed below:

• Purchase Rate: this is the standard rate usually advertised and applies only to money spent on purchases
• Cash Rate: the cash rate applies to money withdrawn using your credit card and is usually higher than the purchase rate
• Balance Transfer Rate: the balance transfer rate applies to balance transferred to the credit card
• Introductory rate: Introductory rates usually apply at the start and are usually much lower than the standard rate. For example some credit cards offer 0% on purchases for the first 6 months to 12 months

Can I apply for a credit card online?

Yes, you can apply for a credit card online and it is easy too. To apply for a credit card online simply click on the “Go to site” or “Apply” button to go the credit card provider’s website to apply online. You would normally need a proof of id and proof of address, but don’t stress, you can just take a picture of your id and proof of address and upload them.

Transfer credit card balance more than once

You can transfer your credit card balance as many times as you wish. You can find a list of all the balance transfer credit cards on our Balance Transfer NZ page.

Best credit card deals in NZ

If you are looking for the best credit card deals in NZ, then you have come to the right place. Use the credit card type select drop box at the top of this page to select the type of credit card deal you are interested in to see available deals for the credit card type in New Zealand.

Best credit card offers in NZ

If you are looking for the best credit card offers in NZ, then you have come to the right place. Use the credit card type drop box at the top of this page to select the type of credit card deal you are interested in to see the available offers in New Zealand.

How do I get a credit card?

To apply for a credit card simply find the credit card you like on our website and click on the “Go to site” or “Apply” button to go to the credit card provider’s website to apply online.

You must be a New Zealand citizen or permanent resident to apply for and be approved for a credit card with most New Zealand providers and you would need a proof of identity such as a passport, licence, 18+ card etc plus a proof of address – you can simply take a photo of your documents using your smart phone and upload them.

Student Credit Cards

Unlike in the UK, US and Australia, most New Zealand banks do NOT offer student credit cards designed specifically for tertiary students, but rather, they offer interest free overdrafts for students with their tertiary debit card which can be used online just like a normal credit card.

A tertiary debit card might be a better option for students than a credit card as it tends to incur very little to no interest. The main downside is that these overdrafts are usually limited to about $1,000 to $2,000.

Please visit our Student credit cards page to review and compare New Zealand Tertiary overdraft packages.

Credit card fees

Common credit card fees in New Zealand include:

• Annual Fees: most credit cards charge an account management fee which is usually charged either annually or half yearly
• Late payment fees: most credit cards charge a late payment fee if you fail to make your minimum repayments

Best rewards credit card

The Best rewards credit card for you would depends on your needs and personal circumstance. You can review and compare all the New Zealand Rewards credit cards on our website by visiting our Rewards credit cards page.

Best travel credit card

The best travel credit card depends on your needs. Some credit cards offer free travel insurance, airpoints and airport travel lounge access. You can browse through all our New Zealand Travel Credit Cards on our Travel credit cards page.

Best balance transfer credit cards

The best balance Transfer Credit Cards for you would depend on your needs such as how much time you need and how you intend to use your credit card after you have paid off your balance. You can browse through all our New Zealand Balance Transfer Credit Cards on our Credit Card Balance Transfer offers page.

Current credit card balance transfer offers

You can find a list of current credit card balance transfer offers on our Balance transfer page.

Credit cards with rewards

You can find a list of all the credit cards with rewards on our rewards credit cards page.

Credit cards with Low interest

You can find a list of all the credit cards with low interest on our Low rate credit cards page.

Prestige credit cards

Prestigious credit cards are credit cards reserved for the elite or high flyers of society and tend to come with great benefits and privileges. These credit cards are often referred to as either Gold credit cards or Platinum credit cards, but they can also be referred to by other names.

These credit cards often have higher annual fees, but come with great reward schemes and benefits such as free travel lounge access, free travel insurance, purchase protection and more.

If you are interested in a Prestigious credit card, please visit our Prestigious credit cards page to review and compare New Zealand Prestige credit cards.

Types of credit cards available in NZ

There are many types of credit cards available in New Zealand. We have compiled a list of some of these credit card types on our credit card types page to help you find what you are looking for.

We hope you find our website useful and we are able to assist you in finding the right credit card for you.

Haven’t found a suitable card?

To speed up the loading of our website only a few credit cards are loaded on this page by default. Click on the “Load more cards” button below the credit cards table (if you haven’t already) to load all the credit cards on our website to compare and find the best credit card NZ for you. Alternatively, you can use our credit card finder tool to find the best credit card to suit your needs.

If you know the type of credit card you are looking for, then the best place to start is to select the type of credit card from the drop down menu at the top of this page to narrow down your search.

What is the best credit card in NZ?

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 NZ to help you find the best credit card NZ to suit your individual needs.

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