Business Credit Cards in NZ

Business credit cards provide New Zealand businesses with a convenient way to manage expenses, improve cash flow, and earn rewards. Whether you own a small startup or a growing enterprise, a business credit card can offer financial flexibility while helping you track and control your spending. We’ve compiled below a list of all business credit cards in New Zealand to help you find the best business credit card for your organisation.

Earn 100,000 Membership Rewards® Bonus Points when you apply by 30 April 2025, are approved and spend $1,000 on eligible purchases on your new American Express® Gold Business Card within 2 months of your approval date. New Amex Card Members only. 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.

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*Terms and conditions apply

Updated: 17 Apr, 2025

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Card	Description	Purchase Rate (p.a.)	Balance Transfer	Cash Rate (p.a.)	Annual Fee	Interest Free Days
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
HSBC Corporate Credit Card Gold Award (Business)	The HSBC Corporate Card is a business credit card that not only allows you to effectively manage your business expenditure but also includes travel insurance protection as a key benefit . HSBC does not disclose the annual fee or purchase rate for the HSBC Corporate Credit Card on their website.	Undisclosed	N/A	N/A	$-1.00	54 days More Info » Apply Now »
American Express Business Credit Card Gold Award (Business)	The American Express Business Card is a rewards business credit card that allows you to earn 1 Membership Rewards points for every $1 dollar spent on your card. With the Amex Business Credit Card you also get Transport Accident Cover and up to 50 days to pay for purchases. It charges $55 annual fee and $40 p.a. employee card fee (an annual Membership Rewards fee of $50 applies for each extra employee card).	N/A	N/A	N/A	$55.00	Up to 50 cash flow days More Info » Apply Now » No documents required to apply1
Westpac Business Mastercard Credit Card Gold Award (Business)	The Westpac Business Mastercard Card is a basic business credit card with no rewards or special benefits. It charges an annual fee of $50 and full payment of all outstanding monthly balance is required to be paid by direct debit by the due date.	N/A	N/A	22.95%	$50.00	N/A More Info » Apply Now »
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 »
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 »
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 »
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 »
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 »
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 »
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 »
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 »
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 »

^ 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.

Earn 100,000 Membership Rewards® Bonus Points when you apply by 30 April 2025, are approved and spend $1,000 on eligible purchases on your new American Express® Gold Business Card within 2 months of your approval date. New Amex Card Members only. 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.

More Info »

*Terms and conditions apply

Benefits of Using Business Credit Cards

• Expense Management: Simplifies tracking and categorising business expenses.
• Cash Flow Flexibility: Provides short-term financing for managing cash flow gaps.
• Employee Spending Control: Issue supplementary cards with spending limits for employees.
• Rewards and Incentives: Earn points, cashback, or travel rewards on business expenditures.

Key Features to Consider

When selecting a business credit card in New Zealand, consider the following features:

• Interest Rates: Look at the annual percentage rates (APRs) to understand potential costs.
• Annual Fees: Consider whether the benefits outweigh the yearly charges.
• Credit Limits: Ensure the credit limit meets your business’s spending needs.
• Rewards Programs: If you require a rewards program, choice one that matches your business needs.
• Additional Perks: Look into extra features such as travel insurance, purchase protection, or business support services, and how these extras might benefit your business.

Note: Remember to verify the latest details from official provider when using a third party source such as a comparison website for your initial research. Comparison websites can help you quickly identify available credit cards in the market but also present them in an easy format for you to compare and pick a suitable business credit card for your company/organisation.

How to Choose the Right Business Credit Card

• Assess Spending Habits: Identify where your business spends the most.
• Evaluate Rewards: If requried, select a rewards program suited to your spending pattern.
• Review Additional Services: Check for perks like travel insurance, expense tracking, or business tools.
• Consider Fees: Ensure the benefits and rewards justify the annual fee.

Application Process and Eligibility

Applying for a business credit card in New Zealand typically involves:

• Eligibility Criteria: Business registration, creditworthiness, and minimum operational period.
• Required Documentation: Business registration details, financial statements, and director identification.
• Application Process: Online or in-branch application, credit assessment, and card approval.

Responsible Use of Business Credit Cards

• Make Timely Payments: Avoid interest charges and maintain a positive credit score.
• Monitor Spending: Regularly review statements to track expenses and prevent unauthorised transactions.
• Review Additional Services: Check for perks like travel insurance, expense tracking, or business tools.
• Set Clear Policies: Establish spending guidelines for employees to ensure responsible use.

How to Maximise Business Credit Card Benefits

• Use for Recurring Expenses: Pay utility bills, subscriptions, and vendor payments to earn rewards.
• Take Advantage of Discounts: Many cards offer discounts on business-related purchases, such as office supplies or fuel.
• Automate Payments: Set up automatic payments to avoid late fees and interest charges.
• Utilise Expense Tracking Tools: Many banks offer apps or software to help monitor and categorise expenses.

Security Features and Fraud Protection

Business credit cards come with built-in security measures, including:

• Fraud Monitoring: Banks actively monitor transactions to detect and prevent unauthorised use.
• Zero Liability Protection: Most providers offer protection against fraudulent transactions.
• Virtual Cards: Some banks allow the use of virtual cards for secure online transactions.
• Card Lock Features: Instantly lock or freeze a card in case of loss or theft.

Alternatives to Business Credit Cards

If a business credit card isn’t the right fit, consider these alternatives:

• Business Overdraft: Provides short-term funding through a business account.
• Line of Credit: Offers access to a pre-approved amount of funds for ongoing expenses.
• Business Loans: Suitable for larger investments with fixed repayment terms.
• Charge Cards: Require full payment each month but offer benefits similar to credit cards.

Business credit cards (or company credit cards) can be a valuable financial tool for New Zealand businesses, offering convenience, rewards, and better expense management. By selecting the right card for your needs, you can enhance your business’s financial efficiency and take advantage of exclusive benefits. Explore the available cards today to find the best fit for your business.