Travel Credit Card in NZ – Find the Best Travel Credit Card

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: 22 Dec, 2024

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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	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 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
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 »
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 »
Westpac Airpoints World MasterCard Credit Card Gold Award	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	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 Platinum Rewards Credit Card Gold Award	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	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	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	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	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	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	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	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 »
Kiwibank Air New Zealand Airpoints Platinum Visa Credit Card Gold Award	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	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	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.

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.

More Info »

*Terms and conditions apply

Comprehensive Guide to Travel Credit Cards in New Zealand

What is the best NZ credit card for overseas travel do I hear you ask? Having the right credit card can make your travels a more pleasant experience. This guides aims to cover all you need to know about travel credit cards to make and informed decision and choose the right credit card for travelling.

What is a Travel Credit Card?

Travel credit cards simply refer to credit cards that offer rewards and benefits tailored to frequent travellers. These travel cards usually offer a combination of Airpoints, Complimentary Travel Insurance, Free Airpoint lounge access, No foreign transaction fees etc.

Types of Travel Credit Cards

Airline-Specific Credit Cards

Airline credit cards are credit cards offered by a specific airline or linked to a specific airline’s frequent flyer program. In New Zealand the only airline with credit cards linked to it’s frequent flyer program is Air New Zealand which has the Airpoints reward program. Visit our Airpoints credit cards to see a list of Airpoints cards in NZ.

General Travel Credit Cards

General travel insurance credit cards are travel cards that are not linked to a specific airline’s reward program but offers benefts that frequent travellers will still find useful such as complimentary travel insurance, reward points, no foreign transaction fees etc.

What to look out for to help you choose the Best Travel Credit Card NZ?

Points and Rewards

Most travel insurance credit cards allow you to earn reward points for using your credit card to make purchases. The points collected can be redeemed for flights, upgrades or even cash. Look for travel cards that will earn you the best reward points in terms of value.

No Foreign Transaction Fees

Many travel insurance cards typically waive the foreign transaction fees charge for purchases made overseas. This can be of great benefit for a frequent traveller who intends to use his credit card overseas.

Travel Insurance

Most travel insurance credit cards offer complimentary travel insurance which covers medical emergencies, cancellations, lost luggage etc. Keep in mind in almost all cases you would need to use your credit card to pay for the flight to be covered.

Free Airport Lounge Access

The top tier travel credit cards include free airport lounge access which are comfortable spaces at airports and major transport hubs where patrons can relax, have a drink, watch movies or go onlne before a flight. This can be worth a lot to a frequent traveller.

Concierge Services

Platinum credit cards often offer 24/7 concierge services to help their customers with travel arrangements, reservations etc. If this is something you might appreciate then it is worth considering if your travel credit card needs that.

Your Travel Habits

Aside from the credit card features you would need to take into account your travel habits when choosing the best travel card for your self. For example, if you have preference for a particiular airline that is likely impact your decision. Other things to consider is what you would like to use your reward points for? For example, if your travel is covered by your business you might want to use your points for non-flight benefits.

Annual Fees

Don’t forget to check the annual fee for the card and weigh the fees against the benefits you will be gettting from the travel card.

Pay Your Credit Card Balance in Full

Don’t forget to pay your credit card balance in full each billing period especially if you are using your credit card for your every day expenses.

Take Advantage of Sign-Up Bonuses

Some cards offer sign up bonuses which can offset the annual fee for the first year. It’s just a nice extra to have and could be worth a few hundred dollars.

Maximising Your Travel Credit Card

To maximise your reward points (if your travel card has a reward program), use your travel card for everyday purchases and not just your travel expenses.

Check your Points Expiry

Some credit cards have expiry limits on reward points accumulated that you need to take into account and keep an eye on.

Additional Benefits

We can’t cover all the benefits for you to look out for but we encourange you to consider all the benefits offered to help you choose the best travel credit card for you.

Frequently Asked Questions about Travel Credit Cards

What are the benefits of a travel credit card?

Travel credit cards offer several perks like travel insurance, no foreign transaction fees and the opportunity to earn Airpoints or reward points. These benefits can save you money and make your trips more enjoyable.

What is the best travel credit card in NZ?

The best credit card for travel in terms of the rewards points earn rate is the American Express Airpoints Platinum Credit Card. It also offers travel insurance that covers both domestic and international travel. Most credit card travel insurance only cover international travel.

How do Travel Credit Cards Work?

Travel credit cards function like regular credit cards but come with added benefits for travellers. When you make purchases overseas, the amount is converted into NZD, often without extra fees.

What are the Key Considerations When Comparing Travel Credit Cards?

When comparing travel credit cards, look at the annual fees, foreign transaction fees, rewards programs, and any additional perks like travel insurance.

What fees are associated with travel credit cards?

Common fees include annual fees, foreign transaction fees, and cash advance fees. Some cards may also charge for late payments or exceeding your credit limit.

Can I use my Credit Card for Public Transportation Overseas?

Yes, many public transportation systems in big cities accept credit cards for payment, making it convenient for travellers.

Are there any Specific Credit Card Perks for Tourists in New Zealand?

Some credit cards offer special perks for tourists, such as discounts on tours, access to airport lounges, and exclusive promotions. Check with your credit card provider for details.

Can I pay for Accommodations with My Credit Card?

Yes, most hotels and hostels accept credit cards. It’s a convenient way to pay for your stay without carrying large amounts of cash.

How does travel insurance work with travel credit cards?

Many travel credit cards offer complimentary travel insurance if you use the card to book your trip. This insurance can cover things like medical emergencies, trip cancellations, and lost luggage.

What should I do if my travel credit card is lost or stolen?

Immediately contact your card issuer to report the loss or theft of your credit card. Your credit card provider can cancel your card and issue a replacement. It is also a good idea to have a backup card when travelling.

What is the Best Credit Card for Travel Insurance in NZ?

The best credit card with travel insurance is the credit card that best suits your needs. Some credit cards travel insurance only cover international travel and some have limits on the number of days you are covered. Make sure you read the terms and conditions of the travel insurance before you decide.

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 New Zealand to help you find the best credit card in NZ to suit your individual needs. Alternatively, you can narrow down your search by credit card type such as interest free credit card, low rate credit card, balance transfer, credit card reward or air nz credit card