Looking for the best Credit Cards in New Zealand? We have compared 15 Credit Cards from top banks in New Zealand to help you find the right one for your needs.
This guide covers fees, rates, benefits, and eligibility requirements. All data is sourced from official bank product listings and updated regularly.
Top 15 Credit Cards in New Zealand (2026)
1. ANZ NZ Cashback Visa
Bank: ANZ New Zealand
- Interest Rate: 1.67% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Purchase Protection, Digital Wallet, Chip/Pin, Supplementary Cards
Cashback card earning up to 1% automatic cashback on all purchases, no points to track.
2. ANZ NZ Low Rate MC
Bank: ANZ New Zealand
- Interest Rate: 1.67% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Purchase Protection, Digital Wallet, Chip/Pin, Supplementary Cards
Low interest card at 13.90% p.a. with purchase protection and worldwide acceptance.
3. ANZ NZ Visa Platinum
Bank: ANZ New Zealand
- Interest Rate: 1.67% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Travel Benefits, Lounge Access, Dinning Benefits, Purchase Protection, Digital Wallet
The ANZ Airpoints Visa Platinum is a premium travel rewards credit card designed for individuals who want to earn Airpoints Dollars on their everyday spending with no earning limit. Cardholders benefi
4. ASB Low Rate MC
Bank: ASB Bank
- Annual Fee: No annual fee
- Interest Rate: 9.95% p.a.
- Interest Free Days: Up to 55 days
- Benefits: Internet Banking
The ASB Visa Flex is ASB Bank New Zealand's lowest interest rate card at 9.95% p.a. for both purchases and cash advances, with no annual card fee and no Offshore Service Margin on foreign currency tra
5. ASB True Rewards Visa
Bank: ASB Bank
- Annual Fee: NZD 40 per year
- Interest Rate: 20.95% p.a.
- Rewards: 1 True Reward Dollar per NZD 150 spent
- Interest Free Days: Up to 55 days
- Benefits: Internet Banking
The ASB Visa Rewards card from ASB Bank New Zealand offers everyday rewards earning at NZD 40 annual fee with a 20.95% p.a. purchase interest rate and up to 55 interest-free days. Cardholders earn 1 T
6. ASB Visa Platinum
Bank: ASB Bank
- Annual Fee: NZD 80 per year
- Interest Rate: 19.95% p.a.
- Rewards: 1 True Reward Dollar per NZD 100 spent
- Interest Free Days: Up to 55 days
- Benefits: Internet Banking
The ASB Visa Platinum Rewards is the highest-earning rewards credit card from ASB Bank New Zealand, with an NZD 80 annual fee, 19.95% p.a. purchase interest rate, and overseas travel insurance. Cardho
7. BNZ Advantage Visa
Bank: BNZ
- Interest Rate: 1.67% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Purchase Protection, Digital Wallet, Chip/Pin, Supplementary Cards
Rewards card earning Fly Buys points on all spending with retail partner bonuses.
8. BNZ Low Rate MC
Bank: BNZ
- Interest Rate: 1.67% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Purchase Protection, Digital Wallet, Chip/Pin, Supplementary Cards
BNZ Low Rate Mastercard features a competitive 13.50% p.a. purchase rate with lean fees to keep costs down. Offers up to 55 days interest-free when balance is cleared monthly, Apple Pay and Google Pay
9. BNZ Visa Platinum
Bank: BNZ
- Interest Rate: 1.67% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Travel Benefits, Lounge Access, Dinning Benefits, Purchase Protection, Digital Wallet
Premium card with Fly Buys Airpoints, travel insurance, and airport lounge access.
10. Kiwibank Low Rate
Bank: Kiwibank
- Interest Rate: 1.67% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Purchase Protection, Digital Wallet, Chip/Pin, Supplementary Cards
Kiwibank Low Rate card offers a competitive interest rate designed to minimize borrowing costs for everyday purchases. Features up to 55 days interest-free on purchases when paid in full, Apple Pay an
11. Kiwibank Visa Gold
Bank: Kiwibank
- Interest Rate: 1.67% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Travel Benefits, Dinning Benefits, Purchase Protection, Digital Wallet, Lifestyle Privileges
Kiwibank Visa Gold provides a balance of rewards and reasonable rates with up to 55 days interest-free on purchases. Features Apple Pay and Google Pay support, travel benefits, and account fee waiver
12. Kiwibank Visa Platinum
Bank: Kiwibank
- Interest Rate: 1.67% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Travel Benefits, Lounge Access, Dinning Benefits, Purchase Protection, Digital Wallet
Kiwibank Visa Platinum combines a great rate with built-in domestic and overseas travel insurance for peace of mind. Features up to 55 days interest-free, Apple Pay and Google Pay, $25 six-monthly fee
13. Westpac NZ Cashback MC
Bank: Westpac NZ
- Interest Rate: 1.67% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Purchase Protection, Digital Wallet, Chip/Pin, Supplementary Cards
Westpac NZ Cashback Mastercard lets you earn cashback on everyday purchases that is credited directly to your account. Features up to 44 days interest-free, CardGuard 24/7 fraud protection, contactles
14. Westpac NZ Low Rate
Bank: Westpac NZ
- Interest Rate: 1.67% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Purchase Protection, Digital Wallet, Chip/Pin, Supplementary Cards
Westpac NZ Low Rate Mastercard offers a competitive 13.45% p.a. purchase rate designed to minimize interest costs. Features up to 44 days interest-free on purchases paid in full, CardGuard 24/7 fraud
15. Westpac NZ Visa Platinum
Bank: Westpac NZ
- Interest Rate: 1.67% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Travel Benefits, Lounge Access, Dinning Benefits, Purchase Protection, Digital Wallet
Westpac NZ Visa Platinum provides premium travel and lifestyle benefits with extended warranty insurance up to 12 months and 90-day purchase protection. Features up to 44 days interest-free, CardGuard
How to Choose a Credit Card in New Zealand
- Annual fees — compare across banks, some offer zero fee for the first year
- Interest rates — lower rates save money if you carry a balance
- Rewards and benefits — match to your spending habits
- Eligibility — salary and documentation requirements vary by bank
- Digital access — mobile app, internet banking, contactless payments
- Regulation — all products listed are from banks regulated by central bank
Frequently Asked Questions
What is the best Credit Card in New Zealand for 2026?
The best option depends on your needs and spending. Compare all 15 options listed above using the View Full Details button. Consider fees, rates, rewards, and eligibility.
What are the eligibility requirements?
Requirements vary by bank and product tier. Generally you need a valid ID, proof of income, and an existing bank relationship. Premium products may require higher minimum salary.
Can I apply online?
Many banks in New Zealand now offer online applications. Click View Full Details on any product to check application options.
Are there any hidden fees?
Always read the full terms. Common charges include annual fees, late payment fees, foreign transaction fees, and cash advance fees. All known fees are listed on each product detail page.
What payment methods are popular in New Zealand?
Besides cards, popular payment methods include cards and digital payments.
Compare all Credit Cards in New Zealand →
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How We Compare Best Credit Cards in New Zealand 2026
Our editorial team reviews each credit card based on annual fees, interest rates, rewards programs, eligibility requirements, and user reviews. We update this comparison regularly to reflect the latest offers from banks in New Zealand. Data is sourced from official bank websites and verified against regulatory filings where available.
Buzdy compares products from 527 banks across 51 countries. We are not affiliated with any single bank — our rankings are based on objective criteria outlined in our methodology.
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