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.
Updated: 28 Mar, 2025
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Card | Description | Purchase Rate (p.a.) | Balance Transfer | Cash Rate (p.a.) | Annual Fee | Interest Free Days |
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![]() 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
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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
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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
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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
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![]() 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
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![]() 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
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![]() 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
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![]() 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
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![]() 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
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![]() 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
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![]() 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
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![]() 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
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![]() 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
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![]() 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
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![]() 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
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![]() 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
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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.
When selecting a business credit card in New Zealand, consider the following features:
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.
Applying for a business credit card in New Zealand typically involves:
Business credit cards come with built-in security measures, including:
If a business credit card isn’t the right fit, consider these alternatives:
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.