Compare Credit Card Features and Charges in New Zealand

Compare Credit cards in NZ


All credit cards are not created equal.  With varying interest free days, annual charges, fees, interest rates, and rewards, it can be hard to know which card is best for you. The best credit card for you depends on a number of factors, including whether you plan to pay off the balance each month, and how you plan to use the card. We’ve collected together some key features and charges to help you compare New Zealand credit cards.

Compare Mastercard credit cards, American Express credit cards and Visa Credit cards.

Check out our Guide to Switch to a Better Credit Card and Save
 

Compare Mastercard Credit Cards

IssuerPlanInterest Rate on Purchases (%)Interest rate on Cash Cash RewardsAdvances (%)Balance Transfer Interest RateBalance Transfer PeriodInterest Free DaysAccount FeeTravel RewardsMerchandise RewardsCash Rewards
KiwibankLow Rate Mastercard13.45%22.95%`1.99%6 months55$24 every 6 months Mastercard Wednesday Movie Deal 
KiwibankMastercard Zero16.90%22.95%1.99%6 months550 Mastercard Wednesday Movie Deal 
KiwibankMastercard Gold17.90%22.95%1.99%6 months55$40 every 6 monthsOverseas Travel InsuranceMastercard Wednesday Movie Deal 
KiwibankAir New Zealand Air Points Platinum Mastercard20.95%22.95%1.99%6 months44$75 every 6 monthsAirpoints Dollars & Status PointsMastercard Wednesday Movie Deal 
KiwibankAir New Zealand Airpoints Standard Mastercard20.95%22.95%1.99%6 months44$32.50 every 6 monthsAirpoints DollarsMastercard Wednesday Movie Deal 
KiwibankAir New Zealand Airpoints Low Fee Mastercard16.90%22.95%1.99%6 months44$12.50 every 6 monthsAirpoints DollarsMastercard Wednesday Movie Deal 
The Cooperative BankFair Rate Mastercard12.95%12.95%0%6 months55$10 every 6 months   
BNZLow Rate Mastercard13.45%22.95%5.95%For life of the balance transferred55$12.50 every 6 months   
WestpacLow Rate Mastercard13.45%22.95%5.95%For life of the balance transferred55$12.50 every 6 months   
WestpacAirpoints Mastercard20.95%22.95%5.95%For life of the balance transferred55$27.50 every 6 monthsAirpoints Dollars  
WestpacAirpoints Platinum Mastercard20.95%22.95%5.95%For life of the balance transferred44$72.50 every 6 monthsAirpoints Dollars & Status PointsExtended warranty 
Westpachotpoints Mastercard20.95%22.95%5.95%For life of the balance transferred55$44 per year hotpoints 
Westpachotpoints Platinum Mastercard20.95%22.95%5.95%For life of the balance transferred55$62.50 every 6 monthsTravel Insurancehotpoints &
Extended warranty
 


Compare American Express Credit Cards

IssuerPlanInterest rate on purchases (%)Interest rate on cash advances (%)Balances transfer interest rateBalance transfer periodInterest free daysAccount feeTravel rewardsMerchandise rewardsCash rewards
American ExpressAirpoints Platinum Card19.95%21.95%nana55$195 per annumAirpoints & travel insurance & lounge access  
American ExpressPlatinum Edge Card2.99% for first 6 months then 19.95%21.95%nana55$149 per annumTravel insuranceMembership rewards points 
American ExpressAirpoints Card0% for first 6 months then 19.95%21.95%nana55$0Airpoints  
American ExpressLow Rate Credit Card2.99% for first 6 months then 12.69%21.95%nana55$55   


Compare Visa Credit Cards

IssuerPlanInterest rate on purchases (%)Interest rate on cash advances (%)Balance transfer interest rateBalances transfer periodInterest free daysAccount feeTravel rewardsMerchandise rewardsCash rewards
Warehouse MoneyPurple Visa Card19.95%22.95%  55$0 Warehouse Purple Dollars 
Warehouse MoneyVisa Card19.95%22.95%  55$0 5% discount at the Warehouse 
ASBVisa Light13.5%22.95%0%6 months55$0   
ASBVisa Platinum Rewards19.95%22.95%0%6 months55$40 every 6 monthsOverseas Travel insuranceTrue Rewards 
TSBVisa Classic Credit Card18.5%$2 per advance (NZ)
$5 per advance (overseas)
   $15 every 6 months   
ANZLow Rate Visa13.9%20.95%1.99%12 months55$35 p.a.   
ANZAirpoints Visa20.95%20.95%  44$0 first year then $65 p.a.Airpoints Dollars  
ANZAirpoints Visa Platinum20.95%20.95%  44$0 first year then $150 p.a.

Airpoints Dollars

Travel Insurance
  
ANZCashback Visa20.95%20.95%  55$0 first year then $60 p.a.  Cashback Rewards
ANZCashback Visa Platinum20.95%20.95%  55$0 first year then $125 p.a.Travel Insurance Cashback Rewards
BNZAdvantage Classic20.95%22.95%0%6 months55$20 every 6 monthsFlybuys or Cash Rewards Flybuys or Cash Rewards
BNZAdvantage Platinum18.95%18.95%0%6 months55$45 every 6 monthsFlybuys or Cash Rewards Flybuys or Cash Rewards


Please note: Data correct as collated on 21 January 2019 and is subject to change. 

Monday, January 21, 2019