Are You Losing Money on Your Card? — New Zealand
Most people carry the wrong card and lose money every year. Check yours in 30 seconds against New Zealand's best cashback cards — free, no sign-up.
Step 1 of 3
33%
Which country are you in?
We'll compare cards available where you live.
Comparing your card against the market…
Best cashback credit cards in New Zealand
Ranked by cashback rate from 10 real bank products. Run the checker above to see how your card compares.
| Card | Bank | Cashback | Annual fee |
|---|---|---|---|
| ANZ NZ Visa Platinum | ANZ New Zealand | — | Free |
| ANZ NZ Cashback Visa | ANZ New Zealand | — | Free |
| ANZ NZ Low Rate MC | ANZ New Zealand | — | Free |
| ASB Visa Platinum | ASB Bank | — | 80 |
| ASB True Rewards Visa | ASB Bank | — | 40 |
| ASB Low Rate MC | ASB Bank | — | Free |
| BNZ Visa Platinum | BNZ | — | Free |
| BNZ Advantage Visa | BNZ | — | Free |
| BNZ Low Rate MC | BNZ | — | Free |
| Westpac NZ Visa Platinum | Westpac NZ | — | Free |
Frequently asked questions
How do I know if I'm losing money on my card in New Zealand?
Enter the card you hold and your monthly spend. We compare its cashback and annual fee against every other card in New Zealand and show the yearly difference.
Is it free?
Yes — the check is free and takes ~30 seconds. No sign-up needed to see your result.
How is the yearly loss calculated?
Net rewards = annual spend × the card's cashback rate − annual fee. We then compare your card to the best available option.