Best Credit Cards in New Zealand — Compare 15 Cards
Every credit card we can verify as issued in New Zealand — 15 cards from 5 banks — with the minimum salary, annual fee, interest rate and salary-transfer rule each bank publishes. Filter them below, or use the guided finder.
Best credit cards in New Zealand — our picks
One card per job, chosen by a stated rule, with the number that wins it. No bank holds two slots while another qualifies.
You do not have to move your salary to this bank.
Chosen by: Bank does not require your salary to be transferred to it, then the lowest minimum salary. Picked from 12 qualifying cards.
View on bnz.co.nz Opens BNZ's own page for this card
Airport lounge access.
Chosen by: Publishes airport lounge access, then the lowest annual fee. Picked from 4 qualifying cards.
View on westpac.co.nz Opens Westpac NZ's own page for this card
At 9.95% a year this is the cheapest published rate we hold for this market — it only matters if you revolve a balance.
Chosen by: Lowest published monthly interest / profit rate in this market. Picked from 15 qualifying cards.
View on asb.co.nz Opens ASB Bank's own page for this card
Pays cashback on everyday spend; the bank does not publish a single headline percentage we can verify.
Chosen by: Highest published headline cashback rate. Picked from 6 qualifying cards.
View on anz.co.nz Opens ANZ New Zealand's own page for this cardCompare all 15 New Zealand credit cards
Figures are as each bank publishes them. 0 of 15 cards state a minimum monthly salary, 3 state an annual fee, 15 state an interest or profit rate and 12 state whether a salary transfer is required. A dash means the bank does not publish that figure — not that it is zero.
Default ranking: cards are ordered by how much of the decision they let you make — how many of the four numbers (minimum salary, annual fee, rate, salary transfer) the bank publishes, then how many benefits are documented, then user rating. It is not a paid placement and it is not alphabetical. Use the sort links in the table header to rank by fee, rate or salary instead.
Showing 15 of 15 cards.
Every figure comes from the issuing bank's own published terms, stored per card. Country attribution uses the product's own market, not the bank's branch footprint, so a multinational's Hong Kong catalogue never appears here. Interest and profit rates are annualised figures as published; a few banks quote a monthly rate instead, so confirm the basis with the issuer before you compare two cards on rate alone. 15 of these 15 cards link straight to the bank's own page for that card; the rest link to the bank's site or to our card record. We do not have an application relationship with most of these issuers and do not pretend to. Verify the current terms with the bank before you apply.
Prefer to be asked?
Four questions — salary, spending, and what matters most — and we shortlist five of the 15 cards above for you.
Where are you located?
We'll show cards available in your country
More about credit cards in New Zealand
The 15 cards compared above are every credit card we can attribute to New Zealand itself, from 5 issuing banks — a card is counted here only when the product's own market and the issuing bank agree, so a multinational's catalogue from another country is never folded in. Figures are in NZD as published by each bank.
Looking for a credit card in New Zealand?
Compare what banks in New Zealand actually offer — rates, fees and eligibility, updated for 2026.
Banks we track in New Zealand
Keep going in New Zealand
Guides for New Zealand
New Zealand — frequently asked questions
Which credit cards have no annual fee in New Zealand?
ASB Low Rate MC (ASB Bank) are among the 1 cards in our New Zealand data with a zero or waived annual fee.
What is the best cashback credit card in New Zealand?
We track 6 cashback cards in New Zealand. ANZ NZ Cashback Visa from ANZ New Zealand publishes: cashback on everyday spend. The right one depends on where you actually spend — the finder above ranks them for your profile.
How does the card finder pick a card?
It scores every card we hold for New Zealand against your salary, your biggest spending category and whether you want cashback, miles, no fee or a Shariah-compliant card, then shows the top five with the reasons for each.