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WE HELP YOU COMPARE NZ CREDIT CARDS
CREDITCARD.CO.NZ'S ADVANCED COMPARISON TOOLS HELP YOU PICK THE BEST CREDIT CARD
FOR YOUR NEEDS. COMPARE AND APPLY FOR YOUR NEW CREDIT CARD WITHIN MINUTES.
LOW AND 0% BALANCE TRANSFER CREDIT CARDS
Transfer your balance from another credit card & see how much you can save.
Filter your savings
MY TRANSFER AMOUNT
MY TRANSFER AMOUNT
$0$30000000
MY INTEREST RATE
0.00%25.00%000
MY ANNUAL FEE
$0$500000
Product
Purchase rate
Balance transfer
Annual fee
Your savings
ASB VISA LIGHT CREDIT CARD
2 reviews
Low ongoing purchase rate and no account fee, plus 0% p.a. on balance transfers
and purchases over $1,000 for six months.
$499 saved over 6 months
Low ongoing purchase rate and no account fee, plus 0% p.a. on balance transfers
and purchases over $1,000 for six months.
0%
6 months
100%
reverts to 13.50% p.a.
PURCHASE RATE
0%
6 months
0% Complete (success)
reverts to 13.50% p.a.
0%
6 months
100%
reverts to 13.50% p.a. No BT fee
BALANCE TRANSFER
0%6 months
0% Complete (success)
reverts to 13.50% p.a. No fee
$0
p.a.
100%
ANNUAL FEE
$0 p.a.
0% Complete (success)
$499
saved over 6 months
50% Complete (success)
More info
save card
save card
ANZ LOW RATE VISA CREDIT CARD
4 reviews
1.99% p.a. first 24 months on balance transfers. Reverts to 12.90% p.a. low
purchase rate. $0 annual card fee.
$1,379 saved over 24 months
1.99% p.a. first 24 months on balance transfers. Reverts to 12.90% p.a. low
purchase rate. $0 annual card fee.
12.90%
p.a
66.22%
PURCHASE RATE
12.90% p.a.
12.90% Complete (success)
1.99%
24 months
17.77%
reverts to 12.90% p.a. No BT fee
BALANCE TRANSFER
1.99%24 months
0.0199% Complete (success)
reverts to 12.90% p.a. No fee
$0
p.a.
100%
ANNUAL FEE
$0 p.a.
0% Complete (success)
$1,379
saved over 24 months
50% Complete (success)
More info
save card
save card
FAIR RATE CREDIT CARD
1 review
Get 0% p.a. on balance transfers for the first 6 months. Low $10 fee charged
every six months.
$479 saved over 6 months
12.95%
p.a
65.97%
PURCHASE RATE
12.95% p.a.
12.95% Complete (success)
0%
6 months
100%
reverts to 12.95% p.a. No BT fee
BALANCE TRANSFER
0%6 months
0% Complete (success)
reverts to 12.95% p.a. No fee
$20
p.a.
88.37%
ANNUAL FEE
$20 p.a.
20% Complete (success)
$479
saved over 6 months
50% Complete (success)
More info
save card
save card
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FREQUENT FLYER CREDIT CARDS
Earn points on your card spending and redeem with your choice of frequent flyer
programme.
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MY MONTHLY CARD SPEND
MY AVERAGE MONTHLY SPEND
$0$30000000
Product
$1 earn rate
Bonus points
Annual fee
Your points
AIR NEW ZEALAND AIRPOINTS PLATINUM VISA
1 review
Highest earn rate out of the three Kiwibank-issued Air New Zealand credit cards,
plus the best Status Point earn rate in the market.
780 points earned over 12 months
0.013 pts
airpoints
0.43%
EARN RATE PER $1
0.013 points
16.77% Complete (success)
airpoints
N/A
0%
BONUS POINTS
N/A
-1% Complete (success)
airpoints
$150
p.a.
18.6%
ANNUAL FEE
$150
p.a.
16.77% Complete (success)
airpoints
780 pts
over 12 months spend
50% Complete (success)
More info
save card
save card
WESTPAC AIRPOINTS PLATINUM MASTERCARD
1 review
Decent earn rate on both Airpoints Dollars and Status Points. Nice range of
extras including overseas travel insurance and Koru discounts.
780 points earned over 12 months
Decent earn rate on both Airpoints Dollars and Status Points. Nice range of
extras including overseas travel insurance and Koru discounts.
0.013 pts
airpoints
0.43%
EARN RATE PER $1
0.013 points
16.77% Complete (success)
airpoints
N/A
0%
BONUS POINTS
N/A
-1% Complete (success)
airpoints
$150
p.a.
18.6%
ANNUAL FEE
$150
p.a.
16.77% Complete (success)
airpoints
780 pts
over 12 months spend
50% Complete (success)
More info
save card
save card
AIR NEW ZEALAND AIRPOINTS STANDARD VISA
1 review
Earn one Airpoints Dollar for every $120 spent on eligible purchases, or one
Airpoints Dollar for every $100 spent on Air New Zealand products bought
directly from Air New Zealand.
480 points earned over 12 months
0.008 pts
airpoints
0.27%
EARN RATE PER $1
0.008 points
16.77% Complete (success)
airpoints
N/A
0%
BONUS POINTS
N/A
-1% Complete (success)
airpoints
$65
p.a.
48.84%
ANNUAL FEE
$65
p.a.
16.77% Complete (success)
airpoints
480 pts
over 12 months spend
50% Complete (success)
More info
save card
save card
See all Frequent Flyer cards
NO ANNUAL FEE CREDIT CARDS
Pay no annual fee, either for the life of the card or over an introductory
period.
Filter your savings
FILTER
MY TRANSFER AMOUNT
$0$30000000
MY INTEREST RATE
0.00%25.00%000
MY ANNUAL FEE
$0$700000
MY TRANSFER AMOUNT
$0$30000000
MY INTEREST RATE
0.00%25.00%000
MY ANNUAL FEE
MY CURRENT ANNUAL CARD FEE
$0$500000
Product
Purchase rate
Balance transfer
Annual fee
Your savings
KIWIBANK ZERO CREDIT CARD
1 review
No account fee, a low purchase rate, up to 55 days interest free on purchases,
and 1.99% p.a. on balance transfers for six months.
$455 saved over 6 months
No account fee, a low purchase rate, up to 55 days interest free on purchases,
and 1.99% p.a. on balance transfers for six months.
13.95%
p.a
61.24%
PURCHASE RATE
13.95% p.a.
13.95% Complete (success)
1.99%
6 months
9.49%
reverts to 13.95% p.a. No BT fee
BALANCE TRANSFER
1.99%6 months
0.0199% Complete (success)
reverts to 13.95% p.a. No fee
$0
p.a.
100%
ANNUAL FEE
$0 p.a.
0% Complete (success)
$455
saved over 6 months
50% Complete (success)
More info
save card
save card
ASB VISA LIGHT CREDIT CARD
2 reviews
Low ongoing purchase rate and no account fee, plus 0% p.a. on balance transfers
and purchases over $1,000 for six months.
$499 saved over 6 months
Low ongoing purchase rate and no account fee, plus 0% p.a. on balance transfers
and purchases over $1,000 for six months.
0%
6 months
100%
reverts to 13.50% p.a.
PURCHASE RATE
0%
6 months
0% Complete (success)
reverts to 13.50% p.a.
0%
6 months
100%
reverts to 13.50% p.a. No BT fee
BALANCE TRANSFER
0%6 months
0% Complete (success)
reverts to 13.50% p.a. No fee
$0
p.a.
100%
ANNUAL FEE
$0 p.a.
0% Complete (success)
$499
saved over 6 months
50% Complete (success)
More info
save card
save card
ANZ CASHBACK VISA PLATINUM CREDIT CARD
1 review
Earn CashBack Rewards by spending $5,000 or more on eligible purchases during
the year. Complimentary overseas travel insurance.
$0 saved over months
Earn CashBack Rewards by spending $5,000 or more on eligible purchases during
the year. Complimentary overseas travel insurance.
19.95%
p.a
42.82%
PURCHASE RATE
19.95% p.a.
19.95% Complete (success)
N/A
0%
BALANCE TRANSFER
N/A
p.a.
86.77% Complete (success)
$125
p.a.
25.58%
ANNUAL FEE
$125 p.a.
125% Complete (success)
$
saved over months
50% Complete (success)
More info
save card
save card
See all No Annual Fee cards
CREDIT CARD PROVIDERS IN NEW ZEALAND
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CREDIT CARD EXPERTS
We are the credit card experts. Let our experience and skills guide you on New
Zealand's most advanced and comprehensive credit card comparison website.
> Roland Bleyer founder “I have extensive knowledge about credit cards in New
> Zealand and am known as a credit card expert. I have been featured in 2019 on
> tv and in various publications. I personally answer all questions to help you
> select a better suited credit card. “
CREDIT CARDS IN NEW ZEALAND
Designed to offer access to credit, credit cards in their most basic form allow
you to buy things you want now, to then pay for them later. But that doesn’t
mean they’ve not got more to offer. In this guide, we’ll look closely at what
features and benefits you can expect from your credit card, as well as the
various drawbacks that can come with credit card use.
CREDIT CARD FEATURES
Credit card features can range from basic to extravagant, with premium and
rewards cards typically offering more in the way of features than low cost
options such as low fee and low rate cards. Here are some credit card features
to look out for.
INTRODUCTORY CREDIT CARD OFFERS
Introductory offers are designed to entice new cardholders. Used correctly, they
can provide additional functionality and value to the card. The main types of
introductory offer include:
Purchase offers, which allow cardholders to pay a much lower rate of interest on
purchases over an introductory period, offering excellent interest savings on
spending big and small.
Balance transfer offers, which let cardholders transfer a balance from their
existing credit card to pay a lower rate, saving them on interest and allowing
them to pay off what they owe much faster.
Bonus point offers, which provide a chunk of bonus points to cardholders,
typically under the condition that they spend a certain amount on the card
within a given period.
Annual fee offers, which waive or reduce the annual fee or account fee either
over an introductory period, or after meeting a minimum spend each year.
EARN REWARDS
Rewards cards allow cardholders to earn points on their card spending, which can
then be redeemed within a retail rewards programme or frequent flyer programme.
As long as you earn more back in rewards than you pay out in annual fees or
account fees, these cards can provide fantastic value and some really useful
extras.
Additional Features
Depending on the type of card on offer, it may provide any of the following
common features.
Travel Insurance: A common extra on premium cards and frequent flyer cards,
complimentary travel insurance can provide essential cover on medical expenses,
personal belongings and travel delays, helping cardholders save time and money
searching for standalone cover.
Lounge Access: Cardholders can travel in style with access to airport lounges
the world over.
Travel Perks: These can range from complimentary hotel stays and flight upgrades
to airport limo transfers and VIP meet & greets, which all work to make travel
more enjoyable and easier to manage.
Concierge Service: Premium cards often provide access to a concierge service,
acting as a kind of personal assistant to cardholders needing help with travel
bookings, restaurant reservations, gift buying, theatre recommendations, and so
on.
TYPES OF CREDIT CARD
Low Fee Credit Cards
Typically basic, these cards charge a low annual fee or account fee, allowing
cardholders to keep outgoing costs to a minimum, while still benefiting from
access to credit.
Low Rate Credit Cards
Offering a low rate on purchases, these cards help to keep interest costs down
for cardholders who tend to carry a balance.
Balance Transfer Credit Cards
Providing an introductory offer on balance transfers, these cards allow
cardholders to save on interest as they pay down their balance faster.
Rewards Credit Cards
Earning either retail rewards, frequent flyer points or cashback, these cards
let cardholders get something back on their card spending.
Premium Credit Cards
Offering cardholders a range of additional features, these cards are usually
tiered gold, platinum or black.
BENEFITS OF USING A CREDIT CARD
Whether you are new to credit or you are a seasoned veteran, the right credit
card can offer any number of benefits. Depending on what you’re looking for in a
card, you could benefit from the following.
Buy Now, Pay Later
One of the main advantages of having a credit card is the ability it provides to
buy what you want now, to pay it off later.
Access Interest Free Credit
By being smart with your card, you can take advantage of credit without paying
any interest. Utilise your card’s interest free period to buy the things you
need, and pay them all off by the due date to enjoy interest free credit.
Earn Rewards
While big spenders tend to benefit most from rewards earning, almost any
cardholder can enjoy something back on their spending by choosing the right
rewards card – and using it correctly. Whether it’s a flight or a spending
spree, your rewards could get you there.
Access Helpful Features
Features and extras can add value to any credit card, as long as they are
well-used by the cardholder. Whether they save you the hassle of shopping around
for standalone travel insurance, or provide a more relaxing journey thanks to
complimentary airport lounge access, your card’s extras could be well worth
having.
Utilise Introductory Offers
Intro offers can add serious value, allowing cardholders to pick up bonus
points, save on interest, or try a card on for size while paying no annual fee.
Helpful In An Emergency
Even if you don’t use your credit card very often, it can be handy to have in
case of emergency. With a no annual fee card in your wallet, you can cover those
unexpected costs whenever, wherever.
Build Your Credit Rating
Used correctly, a credit card can help you build your credit rating. This could
be invaluable when you want to apply for more serious credit in the future, such
as car loans and home loans.
Learn How To Handle Credit
Using a credit card, you can get used to accessing credit and paying it all off,
helping you to build a better relationship with credit over time.
Pay Down Debt
If you have credit card debt that you want to pay off, a balance transfer card
could allow you to save big on interest, while you work on paying down your debt
faster.
DRAWBACKS OF USING A CREDIT CARD
Just as there are advantages to having a credit card, there are also drawbacks.
However, with a proper understanding of how credit cards work, you can work to
avoid them.
Temptation to Overspend
With credit at your fingertips, it can be tempting to spend what you cannot pay
back. Learning how to budget, and reducing your credit limit could help you
avoid this.
Get In Over Your Head
Continuing to overspend while not paying off your balance each month can lead to
problems with debt. Get smart with your credit card by reading our guides, and
consider the benefits of a balance transfer offer to get back on an even keel.
RECENTLY ASKED QUESTIONS
Something you need to know? Ask a our credit card expert a question.
Ask a question
Thank you for submitting your question.
I will email you a response typically in 1 business day, depending on volumes.
Regards
Roland B Bleyer
CreditCard.com.au founder
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MY TRANSFER AMOUNT $5000
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