Best Travel Credit Cards in NZ

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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 Platinum Award (Personal)	This card is the FASTEST Airpoints DollarTM earning Platinum Credit Card in NZ. Every $70 you spend earns you 1 Airpoints Dollar. 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. Other benefits include: Complimentary Travel Insurance for domestic and international travel, waived Koru joining fee, Koru annual fee discount of $145, Two VIP Lounges access with Priority Pass per year and more. 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 Airpoints Credit Card Platinum Award (Personal)	With this card you get Interest Free (0% P.A.) on purchases for the first 6 months, plus NO ANNUAL FEE and you 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
HSBC Corporate Credit Card Gold Award (Business)		Undisclosed	N/A	N/A	$-1.00	54 days More Info » Apply Now »
American Express Gold Business Credit Card Platinum Award (Business)	The American Express Gold Business Card is a rewards business credit card that also comes with complimentary travel insurance, business trip completion cover and transport accident cover. You earn 2 Membership Rewards points for every $1 dollar spent on your card until 31 August 2025 and then it reverts to 1 Membership Rewards point per $1 spent thereafter.	N/A	N/A	N/A	$95.00	Up to 50 cash flow days More Info » Apply Now » No documents required to apply1
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 »
Westpac Hotpoints World MasterCard Credit Card Gold Award (Personal)	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 »
Westpac Airpoints World MasterCard Credit Card Gold Award (Personal)	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% for life of balance transferred. It also comes with Priority Pass lounge access to over 1,500 airport lounges around the world. Reward Points Cash Equivalent: $100 spend earns $1.05 cash equivalent (for up to $15,000 spend)^. $100 spend earns $0.52 cash equivalent (for over $15,000 spend)^.	16.95%	5.95% for life of balance transferred	22.95%	$310.00	44 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 »
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 »
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 »
Westpac Hotpoints MasterCard Credit Card Gold Award (Personal)	Earn 1 hotpoint for every $1 spent on your card up to (and including) $3,500 then 0.5 hotpoints for every $1 spent on your card each month. Reward Points Cash Equivalent: $100 spend earns $0.55 cash equivalent (for up to $3,500 spend)^. $100 spend earns $0.27 cash equivalent (for over $3,500 spend)^.	20.95% p.a.	5.95% for life of balance transferred	22.95% p.a.	$40.00	55 days More Info » Apply Now »
Westpac Hotpoints Platinum MasterCard Credit Card Gold Award (Personal)	Earn 1.5 hotpoints for every $1 spent on your card up to (and including) $7,000 then 1 hotpoint for every $1 spent on your card each month. Reward Points Cash Equivalent: $100 spend earns $0.83 cash equivalent (for up to $7,000 spend)^. $100 spend earns $0.55 cash equivalent (for over $7,000 spend)^.	20.95% p.a.	5.95% for life of balance transferred	22.95% p.a.	$70.00	55 days More Info » Apply Now »
TSB Platinum Mastercard Credit Card Gold Award (Personal)	Earn $1 cashback on every $100 spent on eligible purchases. Plus a range of insurance. Reward Points Cash Equivalent: $100 spend earns $1.00 cash equivalent^.	20.95%	N/A	22.95%	$90.00	55 days More Info » Apply Now »
Westpac Airpoints MasterCard Credit Card 3.5/5 Stars (Personal)	Earn 1 Airpoints Dollar for every $150 spent on eligible purchases on your card up to (and including) $3,500 then 1 Airpoints Dollar for every $300 spent on your card each month. plus 5.95% p.a. for the life of the balance transferred to this card. Reward Points Cash Equivalent: $100 spend earns $0.66 cash equivalent (for up to $3,500 spend)^. $100 spend earns $0.33 cash equivalent (for over $3,500 spend)^.	20.95% p.a.	5.95% for life of balance transferred	22.95% p.a.	$70.00	55 days More Info » Apply Now »
Westpac Airpoints Platinum MasterCard Credit Card Gold Award (Personal)	Earn 1 Airpoints Dollar for every $110 spent on your card up to (and including) $7,000 then 1 Airpoints Dollar for every $220 spent on your card each month plus get 5.95% for the life of the balance transferred. Reward Points Cash Equivalent: $100 spend earns $0.90 cash equivalent (for up to $7,000 spend)^. $100 spend earns $0.45 cash equivalent (for over $7,000 spend)^.	20.95% p.a.	5.95% for life of balance transferred	22.95% p.a.	$125.00	44 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 »
Westpac BusinessPLUS Mastercard with Hotpoints Gold Award (Business)	The Westpac BusinessPLUS Mastercard with Hotpoints credit card is a business rewards credit card that allows you to earn 1.25 hotpoints® for every $1 of business spend but also comes with other benefits such as Up to 35 days of overseas travel insurance and purchase protection of up to 90 days, and extended warranty on purchases.	20.95%	5.95%	22.95%	$100.00	55 days More Info » Apply Now »
Westpac Airpoints Business Mastercard Credit Card Gold Award (Business)	The Westpac Airpoints Business Mastercard is a business rewards credit card that allows you to earn 1 Airpoints Dollar for every $85 on eligible business spend, plus it comes with other benefits such as Up to 35 days of overseas travel insurance, purchase protection of up to 90 days, discount on 12-month Air New Zealand koru membership, extended warranty on purchases, and you earn one Status Point for every $225 you spend on eligible purchases.	20.95%	N/A	22.95%	$145.00	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 »
The American Express Gold Rewards Credit Card Platinum Award (Personal)	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
Flight Centre Mastercard Credit Card Gold Award (Personal)	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 »

^ 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.