MoneyHub NZ
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  • Investing
    • Investing Platforms
      • Reviews
        • Sharesies Review
        • Hatch Review
        • Stake Review
          • Stake Black Review
        • Tiger Brokers (NZ) Review
        • Superhero Review
        • BlackBull Markets Share Trading Platform Review
        • ASB Securities Review
        • Invest Direct Review
        • InvestNow Review
        • Kernel Review
        • Interactive Brokers
        • Smart Review
        • Catalist Review
      • Comparisons
        • Sharesies vs Hatch vs Stake
        • Kernel vs Smart
        • Hatch vs Stake
        • Hatch vs Tiger Brokers
        • Sharesies vs Tiger Brokers
        • Stake vs Tiger Brokers
        • Comparing Sharesies vs Investnow vs Hatch vs Invest Direct and more
        • Best Investment Apps
        • How Do I Start Investing?
        • Virtual Stocks and Shares Trading Games
      • Guides
        • How to Invest in Shares
        • Investing in Vanguard Funds from New Zealand
        • Investing in the US Stock Market from New Zealand
          • How To Buy Tesla Shares
          • How To Buy Apple Shares
          • How To Buy Amazon Shares
          • How To Buy Alphabet Shares
          • How To Buy Netflix Shares
          • How To Buy Microsoft Shares
          • How To Buy Meta Shares
        • US Extended Hours Trading Explained
        • What Happens If Your Investing Platform Shuts Down?
        • Fractional Shares
        • Transferring Share Portfolios
        • How to Read and Understand a Share Chart
        • NZX in a Nutshell
        • Investing in the ASX from New Zealand
        • Investing in Asian Markets from New Zealand
        • Understand Gross vs Net
        • How to Attend the 2026 Berkshire Hathaway Annual Shareholders Meeting
    • Introduction to Investing
      • Guides
        • Index Funds
        • ETFs (Exchange Traded Funds)
        • Cash Funds
        • Index Funds vs ETFs
        • 10 Ways to Invest in New Zealand
        • Compound Interest Explained
        • How to Invest Regularly
        • Passive Investing vs Active Investing
        • Investments You Can Own Forever
        • Investing Mistakes
        • Investing in the S&P 500 from New Zealand
        • Best Retirement Income Products in New Zealand
        • Shares vs ETFs
        • Dollar Cost Averaging Guide
        • Margin Lending and Loans Explained
        • Borrowing to Invest in Property, Shares or Funds
        • Passive Income Strategies
        • How Wealthy New Zealanders Invest Their Money
        • The Best Way to Invest Inheritance or a Windfall
        • Barefoot Investor-Friendly Financial Products in New Zealand
        • Investment Terms Glossary
        • IPOs
        • Investing in Dividend Shares
        • Common Shareholder Numbers in New Zealand
        • Shorting a Stock
        • Investing vs Trading vs Gambling
        • Investment Strategies for the Time-Poor
        • Advanced Trading Concepts
        • New and Emerging Investment Opportunities and Trends
      • Young People and Investing
        • Investing for Kids
        • Investing For Grandchildren
        • 10 Top Investments for Young New Zealanders
        • Sharesies Kids Accounts Review
        • SquareOne Review
        • Dosh Review
      • Investing Calculators
        • Term Deposit Calculator
        • Compound Interest Calculator
        • Investment Calculator
        • Savings Calculator
        • Net Worth Calculator
        • Million Dollar Calculator
    • Managed Funds, Tax & DIY Investing
      • Guides
        • Investing Guide
        • Managed Funds
          • Pie Funds Management Review
          • Booster Private Land and Property Fund Review
          • AMP Managed Funds Review
        • Our Favourite Managed Funds
        • Advisers
          • Financial Advisers Overview
          • DIY Investing vs Investment Brokerage Firms vs Financial Advisors
          • Financial Advisers Auckland
          • Financial Advisers Wellington
          • Financial Advisers Christchurch
        • Bank Credit Ratings
        • Tax on Investments and Savings
        • Capital Gains Tax
        • Bright-Line Test
        • Ethical Investing
        • Best ESG Funds
        • Asset Allocations to Build Wealth
        • Managing Offshore Investments for Returning New Zealanders and Migrants
        • How to Buy and Sell Bonds
        • Buying NZ Corporate Bonds
        • Trading in a Nutshell
        • Peer to Peer Lending
        • Crowdfunding Guide
        • REITs Guide
        • Jasper Review
        • Investing & Personal Finance Podcasts
        • Emergency Funds
        • UK Pension Transfer to New Zealand
        • Returning to the UK from NZ
        • Spending Your Savings in Retirement
        • How to Take Income from Investments
        • What Am I Entitled to If My UK Pension Scheme or Provider Makes a Mistake?
        • Investment Scams
        • Investing in Recession-Proof Sectors and Asset Classes During a Downturn
        • Hedging Investments
        • Top Personal Finance Books for New Zealanders
        • Top Ten Personal Finance Resources
      • Reviews
        • Simplicity Investment Funds Review
        • Lending Crowd Review
        • Squirrel Review
        • Sharesight Review
        • Lifetime Retirement Income
        • New Zealand Financial Markets Authority (FMA)
      • Calculators
        • Managed Funds Fee Calculator
        • Basis Points Calculator
        • Inflation Calculator
        • Retirement Calculator New Zealand
    • Alternative Investments and Trading
      • Reviews
        • BlackBull Markets Review
        • CMC Markets Review
        • Plus500 Review
        • IG Review
        • TMGM Review
        • CMC Markets vs Plus500 vs IG Markets vs BlackBull Markets
      • Guides
        • How to Invest in Gold
        • How to Invest in Silver
        • Forex Trading Guide
          • Forex Trading Platforms Comparison
          • Forex Trading Tools
          • Forex Trading Courses and Education
          • Forex Regulation
        • Options Trading
        • Contracts for Difference (CFDs) Guide
        • Futures Trading
        • Commodities Trading
        • Copy Trading
      • Cryptocurrency
        • Reviews
          • Easy Crypto Review
          • Swyftx Review
          • Binance Review
          • Easy Crypto vs Swyftx
          • NZDD Review
          • Independent Reserve Review
          • eToro Review
          • Coinbase Review
          • Kiwi-Coin Bitcoin Exchange Review
          • Vault International Bitcoin Fund Review
        • Guides
          • How to Buy Bitcoin in New Zealand
          • Beginner's Guide to Bitcoin and Blockchain
          • Stablecoins
          • Guide to NFTs
          • Bitcoin Wallet Guide
          • Bitcoin Mining
          • How to Sell Bitcoin
          • Bitcoin and Crypto Scams
          • Initial Coin Offerings
          • A Beginner’s Guide to Investing in Cryptocurrencies
          • Decentralised Finance
          • Bitcoin in New Zealand
          • New Zealand Bitcoin Exchanges
          • How to Buy Ethereum in New Zealand
          • Other Coins
            • How to Buy Ripple in New Zealand
            • How to Buy Cardano in New Zealand
            • How to Buy Dogecoin in New Zealand
            • How to Buy Litecoin in New Zealand
            • How to Buy Polkadot in New Zealand
  • Loans & Finance
    • Car Finance
      • Car Finance Calculator
      • Electric Vehicle Loans
      • How to Refinance Your Car Loan
      • Car Loan Refinance Calculator
      • Car Dealership Finance vs Alternatives
      • Motorcycle and Moped Loans
      • Motorcycle and Moped Loan Calculator
      • Asset Finance
      • Asset Finance Repayment Calculator
      • Business Vehicle Loans
      • Bad Credit Car Loans
      • Car Loan Brokers vs Direct Car Finance
      • Car Loan Amortisation Calculator
      • Car Finance Company Reviews
        • Simplify Loans Review
        • Toyota Finance Review
        • Mazda Finance Review
        • MTF Finance Review
        • AA Money Review
        • Better Finance Review
        • Kiwi Car Loans Review
        • Lending People Review
        • Driva Car Loans Review
      • Car Finance Must-Knows Guides
        • Buying a Car Loan vs Personal Loan?
        • Car Loans and Collateral
        • Car Loan Guarantors
        • How to Save for a Car
        • Paying Cash for a Car vs Car Finance
        • Balloon Payments
        • Boat Financing Calculator
      • Car Finance Add-On Insurance Guides
        • GAP (Guaranteed Asset Protection Insurance) Insurance
        • Compare Mechanical Breakdown Insurance
        • PPI (Payment Protection Insurance)
    • Personal Loans
      • Debt Consolidation Loans
      • Secured Loans
      • Green Loans
      • Home Renovation Loans
      • Online Loans
      • Bad Credit Loans
      • Beneficiary Loans
      • Payday Loans
      • Cash Advance
      • Same Day Loans
      • Low Income Loans
      • Personal Loan Calculator
      • Debt Consolidation Calculator
      • The Dangers of Debt Consolidation
      • Refinance Personal Loan Calculator
      • Home Renovation Loan Calculator
      • Interest Calculator
      • Harmoney Loans Review
      • Nectar Review
      • Avanti Finance Review
      • Save My Bacon Review
    • Credit Scores & Interest Rates
      • Credit Scores and Credit Checks
      • How to Build Credit in New Zealand
      • How to Pay Down Debt Faster
      • Baycorp and Debt Collection
      • Interest Rates Guide
      • Interest Rate Comparison
      • Buy Now Pay Later Apps
        • Afterpay Review
        • Laybuy Review
        • Humm Review
        • Zip Review
  • Insurance
    • Compare Insurance
      • Compare Car Insurance
      • Car Insurance by Vehicle
        • Compare Toyota Aqua Insurance Costs
        • Compare Toyota Corolla Insurance Costs
        • Compare Toyota Hilux Insurance Costs
        • Compare Mazda2 and Demio Insurance Costs
        • Compare Ford Ranger Insurance Costs
        • Compare Nissan Navara Insurance Costs
        • Compare Subaru Legacy Insurance Costs
      • Reviews & Policy Comparisons
        • AMI vs AMP vs AA Insurance vs Cove vs State vs Tower vs Trade Me Insurance
        • Cove Car Insurance Review
        • Tower Car Insurance Review
        • Young Driver Car Insurance
        • Trade Me Car Insurance Review
        • Caravan Insurance
      • Car Insurance Guides
        • Third Party Car Insurance
        • How to Get Cheaper Car Insurance
        • Car Insurance Calculator
        • No Claims Bonuses Explained
        • Car Insurance Excess Explained
        • Cheapest Cars to Insure
        • Modifications that Make a Car Uninsurable
        • Car Insurers Directory
        • Car Insurance Glossary
        • Most Stolen Cars
    • Home, Contents and Other Insurance
      • House Insurance
      • House Insurance Calculator
      • Best Holiday Home and Airbnb Insurance Policies
      • Difficult to Insure Areas
      • Sum Insured Explained
      • Is Your Home an Insurance Risk?
      • Average Cost of Car, House, and Contents Insurance
      • Insuring Old Houses
      • Contents Insurance
      • Home and Contents Insurance
      • Renters' Insurance
      • Landlord Insurance
      • Dental Insurance and Dentist Plans
      • Phone Insurance
      • Insurance Excess
      • Insurance Company Financial Strength Ratings
      • Motorbike Insurance
      • Initio Review
      • Insurance Brokers
        • Trusted Insurance Brokers in Wellington
        • Trusted Insurance Brokers in Christchurch
    • Compare Pet Insurance
      • Is Pet Insurance Worth Buying?
      • Cat and Dog Desexing
      • Getting a Kitten
      • Buying a Puppy
      • Pet Euthanasia
      • Vet Costs in New Zealand
      • Dog Vaccination Schedule and Costs
      • Costs of Owning a Cat
      • Costs of Owning a Dog
    • Students Insurance
    • Life & Health Insurance
      • Life Insurance
        • Life Insurance Policy Comparison - Cigna vs AIA vs Asteron Life vs Fidelity vs Westpac vs Partners Life
        • Stepped vs Level Life Insurance
        • Life Insurance Calculator
        • Pre-Existing Medical Conditions
        • Buying Life Insurance Direct vs Using an Insurance Broker
        • Life Insurance Policies - Features and Questions to Ask
        • When To Cancel Or Change a Life Insurance Policy
        • Life Insurance For Smokers and Vapers
      • Health Insurance
        • Going to Australia for Medical Treatment
        • BMI Calculator New Zealand
      • Income Protection Insurance
        • ACC vs Income Protection Insurance
        • Income Protection Insurance for Self Employed
      • Mortgage Insurance
      • Trauma Insurance
      • Redundancy Insurance
      • Funeral Insurance
        • What to Do When a Spouse or Partner Dies
        • Funeral Costs
  • Credit Cards
    • Best Credit Cards
    • Rewards and Cashback Credit Cards
    • Credit Cards That Earn Business Class Flights
    • The Best American Express Credit Cards
    • Air New Zealand Airpoints Credit Cards
      • Kiwibank Airpoints Cards Ending – Best Replacement Options
      • ANZ vs AMEX vs Westpac Platinum Airpoints Credit Cards
      • ANZ Airpoints Visa Platinum vs AMEX Airpoints Platinum
      • Kiwibank Airpoints Platinum Visa vs AMEX Airpoints Platinum
      • Westpac Airpoints Platinum Mastercard vs AMEX Airpoints Platinum
    • Balance Transfer Credit Cards
    • Platinum and Gold Credit Cards
    • Frequent Flyer Credit Cards
    • Travel Credit Cards
    • Interest Free Credit Cards
    • Virtual Debit and Credit Cards
    • Credit Cards That Provide Travel Insurance
    • Reviews
      • American Express Credit Cards Review
        • American Express Airpoints Platinum Review
        • American Express Gold Rewards Card Review
        • American Express Gold Business Card Review
        • AMEX Comparison - Airpoints Platinum vs Gold Rewards
        • Where is AMEX Accepted?
        • American Express Free Card vs Airpoints Platinum
        • American Express Platinum Card Review
        • American Express Membership Rewards Program Review
        • AMEX Cardholder Feedback
        • Valuing AMEX Membership Rewards Points
        • AMEX Dining Collection Program Review
        • The Best Ways to Spend AMEX Membership Rewards Points
        • Qantas Credit Cards
        • Qatar Airways Credit Cards
        • Singapore Airlines KrisFlyer Credit Cards
        • Cathay Pacific Asia Miles Credit Cards
        • Emirates Skywards Credit Cards
        • RewardPay Review
      • Flight Centre Mastercard Review
    • Guides
      • Pay Off Credit Card Debt
      • Credit Card Basics
      • Mastercard vs Visa
      • Credit Card Minimum Payments Explained
      • Credit Card Interest Calculator
      • Credit Card Debt Amortisation Calculator
      • How to Request a Credit Card Chargeback
    • Other Credit Cards
      • Best Foreign Currency Debit & Credit Cards
      • Free Credit Cards
      • Low Interest Credit Cards
      • Credit Cards for Bad Credit
      • Q Card & Q Mastercard Review
      • GEM Visa Review
      • Onecard Visa Review
      • Purple Visa Review
  • Travel Money Cards
    • Travel Money Card Reviews and Comparisons
      • Wise Debit Card Review
      • Revolut Review
      • Revolut vs Wise - Which Is Better?
      • Travelex Money Card vs Wise Debit Card Comparison
      • OneSmart Card vs Wise Debit Card Comparison
      • Cash Passport vs Wise Debit Card Comparison
    • Travel Money By Country
      • Top Travel Destinations Where the NZD is Strong Right Now
      • Australia Travel Money
      • Bali Travel Money
      • Canada Travel Money
      • Europe Travel Money
      • Fiji Travel Money
      • Japan Travel Money
      • Rarotonga Travel Money
      • Singapore Travel Money
      • Thailand Travel Money
      • USA Travel Money
      • UK Travel Money
      • United Arab Emirates Travel Money
  • Banking & Savings
    • Banking
      • Best Bank Accounts
      • Best Debit Cards
      • Best Joint Bank Accounts
      • Kids Bank Accounts
      • Cut Overdraft Costs
      • Private Banking
      • Open an Australian Bank Account from New Zealand
      • Open a UK Bank Account from New Zealand
    • Savings
      • Best Term Deposits
      • Best Notice Saver Accounts
      • Booster Savvy Review
      • Booster Savvy Analytics Review
      • Best PIE Term Deposits
      • Best Call Accounts
      • Best Savings Accounts
      • Term Deposit Alternatives
    • Guides and Resources
      • Banks vs Credit Unions
      • Open Banking Explained
      • NZ Bank Prefix Codes
    • Reviews
      • Wise Money Transfer Review
      • Heartland Bank Review
      • First Credit Union Review
      • NZCU Baywide Review
      • The Co-operative Bank NZ Review
      • Western Union Review
  • Mortgages
    • Mortgage Essentials
      • Best Home Loans
      • Mortgage Calculator
      • How Much Can I Borrow?
      • Debt to Income Ratios
      • Equity (and Leverage) Calculator
      • Mortgage Repayment Calculator
      • Mortgage Options
      • Mortgage Cashback
    • Other Mortgage Options
      • Interest-Only Mortgages Guide
      • Interest-Only Mortgage Calculator
      • Revolving Credit Mortgages
      • Offset Mortgages
      • Offset Mortgage Calculator
      • Fixed vs Floating Mortgage Rate Calculator
      • Understanding Interest Rate Swaps
      • What is the OCR?
    • Alternative Mortgage Options
      • Low-Deposit Home Loans
      • Rent to Own Homes
      • First Home Loan Guide
      • Reverse Mortgages
      • Lifetime Home Review
    • Mortgage Management
      • Saving for a House Deposit
      • Saving for a House Deposit as a Young Professional
      • Buying a Home with Family and Friends
      • Pay Off Your Mortgage Faster
      • Mortgage Overpayment Calculator
      • What To Do if You Bought a House at the Peak of the New Zealand Market
      • Tips for Seniors Renting or Paying Down a Mortgage
      • Remortgaging Guide
      • Mortgage Relief and Holidays
      • Amortisation Calculator
      • Mortgage Break Fees
      • Defaulting on a Mortgage
      • High Deposit Mortgages
      • Negative Equity
      • How to Manage Higher Mortgage Payments
      • Mortgage Refinance Calculator
    • Mortgage Brokers
      • Mortgage Brokers Explained
      • Trusted Auckland Mortgage Brokers
      • Trusted Hamilton Mortgage Brokers
      • Trusted Mortgage Brokers in Tauranga
      • Trusted Mortgage Brokers in Napier and Hastings
      • Trusted Mortgage Brokers in Wellington
      • Trusted Mortgage Brokers on the Kapiti Coast
      • Trusted Mortgage Brokers in Christchurch
      • LifeDirect Mortgages Review
    • Buying a Home
      • First Home Buyers Checklist
      • Home Buying Glossary
      • Best House Price & Valuation Websites in New Zealand
      • New Zealand Property Types
      • Rateable Value vs Market Value
      • Leasehold Property Guide
      • Conveyancing vs Lawyers
      • Buying an Apartment in New Zealand
      • Buying vs Renting a House
    • Selling a Home
      • How to Sell Your House Privately
      • Real Estate Agent Fees
      • Bridging Finance
    • Property Investment
      • Investment Property Mortgages
      • Renting Directly to Tenants vs Using an Agent
      • Interest Deductibility Changes
    • Building a House
      • Average Building Cost Per Square Metre
      • Cost to Build a New House
      • Buying Land to Build a House
      • Construction Loans
      • Tiny Homes in New Zealand
  • KiwiSaver
    • KiwiSaver Basics
      • Free $500+ Government Money for KiwiSaver
      • Our Favourite KiwiSaver Funds
      • Is KiwiSaver Safe?
      • Choosing a KiwiSaver Fund
      • How Aggressive Should KiwiSaver Be
      • Choosing Your KiwiSaver Scheme
      • Balanced vs Moderate vs Growth KiwiSaver Funds - What is right for me?
      • KiwiSaver Must-Know Facts
      • Opting out of KiwiSaver
      • What Do I Do With My KiwiSaver When I Retire?
      • KiwiSaver Withdrawal
      • Merging KiwiSaver and Australian Super Balances
      • Switching KiwiSaver Funds
      • KiwiSaver Robo and Digital Advice Tools
      • Ethical Kiwisaver Funds
      • KiwiSaver Private Equity Investments
    • KiwiSaver Contributions & Tax
      • Your KiwiSaver Contributions
      • KiwiSaver Contributions - Gross or Net?
      • Employer KiwiSaver Contributions
      • Government KiwiSaver Contributions
      • KiwiSaver Savings Suspensions
      • Voluntary Contributions
      • What's My PIR?
      • KiwiSaver and Tax
    • KiwiSaver for Life Events and Specific Situations
      • Average KiwiSaver Balance by Age
      • KiwiSaver First-Home Withdrawal
      • KiwiSaver First Home Grant Guide
      • KiwiSaver Hardship Applications
      • KiwiSaver in a Divorce or Separation
      • KiwiSaver for Kids
    • KiwiSaver Schemes
      • Amanah KiwiSaver Scheme
      • AMP KiwiSaver Scheme
      • ANZ KiwiSaver Scheme
      • ASB KiwiSaver Scheme
      • AON KiwiSaver Scheme
      • BNZ KiwiSaver Scheme
      • Booster KiwiSaver Scheme
      • Fisher Funds KiwiSaver Scheme
      • Generate KiwiSaver Scheme
      • InvestNow KiwiSaver Scheme
      • Pie KiwiSaver Scheme Review
      • Kernel KiwiSaver Review
      • Kernel KiwiSaver Plan vs Superlife KiwiSaver Scheme
      • Kiwi Wealth KiwiSaver Scheme
      • kōura Wealth KiwiSaver Review
      • SBS Wealth KiwiSaver Scheme Review
      • MAS KiwiSaver Scheme
        • MAS Review
      • Mercer KiwiSaver Scheme
      • Milford KiwiSaver Plan
      • New Zealand Defence Force KiwiSaver Scheme
      • GoalsGetter KiwiSaver Scheme
      • Pathfinder KiwiSaver Review
      • QuayStreet KiwiSaver Scheme
      • Simplicity KiwiSaver Review
      • Summer KiwiSaver Scheme
      • SuperLife Review
      • Westpac KiwiSaver Scheme
    • KiwiSaver Calculators
      • KiwiSaver Calculator
      • KiwiSaver Returns Calculator
  • Business
    • Compare Business Loans
      • Business Line of Credit
      • Business Borrowing Options
      • Small Business Loans
      • Operating Leases
      • Finance Leases
      • Operating Leases vs Financing Leases
      • Car Loan Repayment Calculator
      • Prospa Business Loans Review
      • Bizcap Business Loans Review
      • Taxi (Business Funding) Review
    • Business Insurance
      • Public Liability Insurance
      • Professional Indemnity Insurance
      • Business Interruption Insurance
    • Wise Business Account Review
    • Business Credit Cards
    • Business Essentials
      • Money Saving Tips For Businesses
      • Get Debtors to Pay Overdue Invoices
      • Working Capital
      • Liquidations and Receiverships
      • Can't Make Payroll Guide
      • Buying out a Business Partner
      • Business Brokers
    • PAYE & Taxes
      • PAYE Calculator
      • PAYE Tax Rates 2025 & 2026
      • Minimum Wage
      • Tax Codes in New Zealand
    • Business Calculators & Resources
      • GST Calculator
      • GST Due Dates 2025
      • Business Loan Calculator
      • ROI Calculator
      • IRR Calculator
      • Internal Rate of Return
      • Percent Off Calculator
      • Profit Margin Calculator
      • Current Ratio Calculator
      • Quick Ratio Calculator
    • Online Services
      • Domain Names
      • Trusted Web Designers
        • Auckland Web Designers
        • Hamilton Web Designers
        • Wellington Web Designers
        • Christchurch Web Designers
        • Tauranga Web Designers
        • Lower Hutt Web Designers
        • Dunedin Web Designers
      • Digital Identity Programs and Online Verification Tools
      • Trusted Auckland SEO Companies
      • Social Media Influencer Marketing
      • PayPal NZ Account Fees
      • Paypal vs Stripe Review
      • Hnry Review
      • n3 Trade Card Review
      • Plain English Awards
      • Retail Security Options and Costs
    • For Startups
      • How to Start a Business in New Zealand
      • Raising Capital
      • Product Market Fit
      • Crowdfunding vs Bank Financing
      • Blackbird vs Movac
      • How to Become an Angel Investor
      • How to Raise Money from Angel Investors
      • Alternatives to VC Funding
      • Hiring for a Startup
      • VCFO (Virtual CFO)
      • New Zealand Startup and Founder Incubators
      • Expanding Offshore
      • New Zealand Invoice Template
      • Business Podcasts
  • MSD
    • Navigating Work and Income Benefits
    • Jobseeker Support Benefit Rates 2025 and 2026
    • Jobseeker Support Guide
    • Accommodation Supplement Guide
    • SuperGold Card Review
    • Disability Allowance
    • MyMSD
    • Community Services Card
    • Hardship Assistance - Urgent Costs and Living Expense Assistance
    • Loans for Unemployed
    • Working for Families Guide
    • Childcare Subsidies in New Zealand
    • Super Rates 2025 and 2026
    • NZ Superannuation in a Nutshell
    • Government Departments Helping New Zealanders Directly
    • Food Grants Guide
    • Food Banks Directory
      • Food Banks Auckland
      • Food Banks Northland
      • Food Banks Hamilton Waikato
      • Food Banks Wellington
      • Food Banks Christchurch
  • Motoring
    • Buying and Selling a Car
      • Car Valuations
      • Buying a Used Car
      • Selling a Car
      • Turners Cars Review
      • CarJam Review
      • CarJam vs MotorWeb Car Report Comparison
      • Top Cars that Hold Their Value
      • Vehicle Leasing
      • Car Registration in New Zealand
      • The Women's Guide to Buying a Car
    • Car Dealerships Explained
    • Everyday Driving
      • Costs of Owning a Car
      • 20 Ways to Make Driving Cheaper
      • Gaspy App Review
      • Parking Tickets
      • AA Membership Review
      • Best Car Batteries
      • Best Electric Cars
      • Buyer’s Guide for the 2023 Toyota Hilux
      • Buyer’s Guide for the 2023 Toyota RAV4
      • Buyer’s Guide for the 2023 Ford Ranger
    • Warrant of Fitness
      • Guide to Warrant of Fitness
      • Warrant of Fitness Auckland
      • Warrant of Fitness Hamilton
      • Warrant of Fitness Tauranga
      • Warrant of Fitness Lower Hutt
      • Warrant of Fitness Wellington
      • Warrant of Fitness Christchurch
      • Warrant of Fitness Dunedin
  • Law
    • Wills Guide
    • Separation Agreements
    • Prenuptial Agreements
    • Divorce Guide
    • Trusts Guide
    • Enduring Power of Attorney Guide
    • Living Wills Guide
    • Probate
    • Agreeable Review
    • Footprint Online Wills Review
    • Perpetual Guardian
  • Travel
    • Moving Overseas
      • Working Holiday Visas
      • Working Holiday Visas for 30+ Year-Old New Zealanders
      • Moving to Australia
      • Moving to London
    • Air New Zealand Specific
      • Air NZ Upgrade Guide
      • How to Redeem Air New Zealand Airpoints Dollars
      • Fastest Way To Earn Air NZ Status Points
      • Air New Zealand Koru Membership Review
      • Airpoints Flexipay Guide
      • Air New Zealand Travel Tips
      • Air New Zealand Refunds & Credits
    • Lounges, Upgrades, Car Hire & More
      • How to Get Access to Airport Lounges
      • Air New Zealand Skycouch Review
      • No Nonsense Upgrade Guide
      • Car Rental Hire
      • Auckland Airport Car Parking
    • Best of New Zealand
      • Auckland Travel for Less
      • 100+ Free Things to do in Auckland
      • Queenstown Like a Local
    • Hotels & Dining
      • Accor Plus Review
      • First Table Guide
      • Hotel Booking Sites Compared
    • Foreign Currency Exchange
      • Currency Converter
      • Australian Dollars Exchange Rate
      • American Dollars Exchange Rate
      • British Pound Exchange Rate
      • Canadian Dollars Exchange Rate
      • Euro Exchange Rate
      • Fijian Dollars Exchange Rate
      • Hong Kong Dollar Exchange Rate
      • Korean Won Exchange Rate
      • Indian Rupee Exchange Rate
      • Japanese Yen Exchange Rate
      • Malaysian Ringgit Exchange Rate
      • South African Rand Exchange Rate
      • Singapore Dollars Exchange Rate
      • Thai Baht Exchange Rate
      • Chinese Yuan Exchange Rate
  • Travel Insurance
    • Compare Travel Insurance
    • AMEX Airpoints Platinum Travel Insurance Review
    • Travel Insurance by Destination
      • Australia and the Pacifc
        • Australia Travel Insurance
        • Fiji Travel Insurance
        • Rarotonga Travel Insurance
      • Asia
        • Bali Travel Insurance
        • China Travel Insurance
        • India Travel Insurance
        • Japan Travel Insurance
        • Malaysia Travel Insurance
        • Singapore Travel Insurance
        • South Korea Travel Insurance
        • Thailand Travel Insurance
        • Vietnam Travel Insurance
      • Americas & Africa
        • Canada Travel Insurance
        • Peru Travel Insurance
        • South Africa Travel Insurance
        • USA Travel Insurance
      • Europe
        • France Travel Insurance
        • Greece Travel Insurance
        • Italy Travel Insurance
        • UK Travel Insurance
    • Specific Risk Cover
      • Do I Need Travel Insurance?
      • Pregnancy Travel Insurance
    • Travel Insurer Reviews
      • Southern Cross Travel Insurance Review
      • AMI Travel Insurance Review
      • State Travel Insurance Review
    • Essential Information
      • Basic vs Comprehensive Travel Insurance
      • Health Insurance vs Travel Insurance
      • ACC vs Travel Insurance
      • Australia NZ Reciprocal Health Care Agreement
      • Travel Insurance Excess Explained
      • Claiming on Travel Insurance
      • How to Renew a New Zealand Passport
      • What is TAANZ?
      • Travel Packing List
      • Travel Insurers Directory
      • Travel Insurance Glossary
  • Mobile & SIM
    • Compare Mobile Plans
    • SIM Only Mobile Plans
    • eSIM Plans
    • Apple Watch Buying Guide
    • Spark Mobile Review
    • 2degrees Mobile Review
    • One NZ Mobile Review
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  • Banking & Savings
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  • KiwiSaver
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  • Mobile & SIM
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  • Power
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  • Essential Money Tips
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    • Money & Relationships
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    • Valuable Insights
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  • Financial Independence
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  • Trade Services
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Rewards and Cashback Credit Cards Comparison (May 2025)

Our comparison lists the best credit card rewards and cashback benefits, including Airpoints, American Express, free travel, Hotpoints and more.
Cashback and Reward Credit Cards NZ
Updated 28 May 2025
Summary of Reward Credit Cards
  • Reward credit cards and their points are near impossible to compare - would you rather have 100 hotpoints, 100 truepoints, 100 onepoints or 100 Airpoints?
  • The most suitable reward card for your needs comes down to what you spend in a year and your priorities. If you spend under $5,000 a year on a credit card, you most likely won't earn enough rewards and make it worth it and it's best to get a low-fee credit card.
  • However, if you're comfortable putting general everyday expenses (supermarket, petrol, power bills, internet etc) on your credit card, many New Zealanders can benefit from cashback and/or rewards with the right credit card.
  • But, if you struggle to repay a credit card, look for a low-interest rate credit card instead - any rewards you would otherwise earn are nothing compared to the higher interest charged on your purchases.
  • If you're looking to earn points for business class flights, they are available, but you'll most likely need an AMEX - our dedicated Credit Cards That Earn Business Class Flights guide has more details and everything you need to know to make it possible.
  • Advertising Disclaimer: We have a commercial relationship with some banks and credit card issuers (please see our Advertising Policy for more details about how we make money) and we may be paid if you apply for a credit card via MoneyHub. We strongly suggest refraining from applying from any credit card if you currently have outstanding balances owed.​

Know This First - Are Cashback or Reward Credit Cards Right for you?
  • ​Spend on a Rewards card and you’ll get cash or vouchers you can use on shopping, activities and travel. The amount of rewards you get is driven by which card you pick and what you spend on the card. Basic cards (with lower fees) earn less rewards than high roller cards that have hefty annual fees.
  • But, a rewards card is still a credit card and needs to be paid off. If you don't, the interest fees will exceed any rewards or cashback.

Our guide takes you through the best cards for different spending levels, making it easy to find one that rewards you hundreds of dollars a year. We cover:
  • The Ten Sacred Rules of a Credit Card
  • Best Reward and Cashback Credit Cards
  • ​Frequently Asked Questions

Our View: Rewards and Cashback Credit cards are best for:

  1. People who have an income of at least $35,000 per year and pay off a credit card every month. If you have a lower income or don't consistently repay, a balance transfer or low-interest credit card may be more suitable to help you reduce costs.
  2. Couples who spend significantly on their credit card but don’t want to have an Air New Zealand Airpoints credit card.​
  3. We estimate that a couple spending $30,000 a year on a credit card could be entitled to around $500 of awards (travel and cashback), but selecting the right card is essential to maximise the benefits.

Are you looking for an Airpoints credit card? Things have changed fast if you currently have a bank-issued credit card:
  • Some banks are cutting back, attempting to cut back or overhauling what they offer per dollar spent, known as the 'earn rate'. Kiwibank announced this on 4 October 2022 and the level of rewards have greatly diminished across all of its Airpoints Dollars-earning credit cards.
  • In September 2022, ASB announced a plunge in their credit card rewards and earn rates (which was reversed - for now - per this Stuff.co.nz column) while the BNZ is offering 'points' rather than cashback. We expect other banks to follow.
  • From November 2022, law changes cap interchange fees at 0.80% on Visa and Mastercard credit card transactions. This means that the banks can only charge merchants who accept credit cards 0.80% of the transaction value, which we argue limits the rewards, cashback and general perks they can offer to cardholders.
  • American Express cards are not affected as the law is designed to break up the Visa and Mastercard duopoly. As bank-issued credit cards become less 'generous', we anticipate American Express cards will become more favourable for anyone looking for rewards, whether that be Airpoints Dollars, cashback, awards or statement credit.
  • Important: We will update our tables below when all the banks have finalised their new offerings. We don't expect to make any changes to the American Express credit cards given they're not affected by the new legislation.

Know This: Are you a business owner?
You can now use your AMEX to pay IRD and ACC bills using RewardPay. Our review explains how it works, what it costs and what benefits you will earn. As American Express' Platinum Card and American Express Gold Rewards Card earn Membership Rewards Points, they are popular with business owners or directors who can use their card to pay business costs and earn points for personal use.

AMEX Airpoints Platinum: The Best Airpoints Card

Kiwibank’s discontinuation of Airpoints cards, effective November 1, 2025, and ANZ and Westpac’s underwhelming Airpoints offerings have shifted the spotlight to the American Express Airpoints Platinum Card. Unaffected by Visa/Mastercard interchange fee caps and regulations, AMEX delivers unmatched rewards, making it the top choice for Airpoints earners.

Here’s why switching makes sense:
  • Best Earn Rate: Earn 1 Airpoints Dollar per $70 spent – significantly better than Westpac’s $110–$150 or ANZ’s $115.
  • Exclusive Bonus: Get 300 bonus Airpoints Dollars when you apply, are approved, and spend $1,500 within 3 months.
  • Premium Perks:
    • 4 lounge passes/year (Auckland, Sydney, or Melbourne).
    • Comprehensive travel insurance (domestic/international) and rental car excess cover ($3,000).
    • Mobile phone screen insurance (up to $500 if paid with AMEX).
    • Status Points to maintain or achieve Air NZ Gold/Elite status.
  • Wide Acceptance: Accepted at major retailers (Countdown, BP, Mitre 10) and integrated with Apple Pay/Google Pay for seamless payments.
  • Kiwibank’s Exit: Kiwibank’s Airpoints cards are being replaced with a low-fee, low-interest option that offers no Airpoints rewards, leaving AMEX as the superior alternative.
  • Westpac’s Weak Offering: Westpac’s Airpoints cards, like the Platinum Mastercard ($125/year), offer a poor earn rate (1 Airpoints Dollar per $110 up to $7,000, then $220) and no lounge access. The World Mastercard ($310/year) is better (1 Airpoints Dollar per $95 up to $15,000) but still lags behind AMEX’s value.​
  • Where Can You Use AMEX? Options include (but are not limited to):
  1. Supermarkets: Countdown, New World, PAK’nSAVE, SuperValue, FreshChoice
  2. Fuel Stations: BP, Caltex, GAS, Gull, Mobil, Shell, Z Fuel
  3. Retail & Hardware: Mitre 10, Bunnings Warehouse, Harvey Norman, Kmart, Glassons, Hallensteins, Farmers, The Warehouse
  4. Dining: McDonald’s, Burger Burger, Coffee Club, Hell Pizza
  5. Utilities: Contact Energy, Genesis Energy, Powershop
  6. Travel: Air New Zealand, Qantas, Jetstar, Expedia, Airbnb and most international airlines, as well as Auckland Transport for buses and trains etc.

​Note: For smaller, independent shops or cafes, carry a bank-issued Visa/Mastercard as a backup, as AMEX acceptance can vary.

Christopher Walsh MoneyHub
Christopher Walsh
MoneyHub Founder (and Frequent User of AMEX)
Christopher Walsh, MoneyHub Founder, shares his AMEX experience:
“In March 2025, a fraudulent transaction hit my Kiwibank Airpoints Platinum card, just as I had applied for the AMEX Airpoints Platinum, drawn by its unmatched 1 Airpoints Dollar per $70 earn rate. Switching automatic payments to AMEX was effortless, and acceptance has been smooth, thanks to Apple Pay and Google Pay integrating with AMEX.

The card’s travel insurance, Status Points, and earning rate make maintaining my Air NZ Gold status easy, especially since I book cheaper airfares well in advance. With Kiwibank migrating my card to a low-reward option on November 1, 2025, I will likely cancel it – AMEX has been far more reliable and rewarding. I also like the AMEX app with live chat, a huge difference to Kiwibank's message "service" which can have you waiting for a few days. 

Compared to ANZ's and Westpac’s Airpoints cards, AMEX’s perks and earn rate are in a different league. Why settle for earning less every time you use your card? I am thrilled to have made the move".
Favourite Airline Credit Card
Apply with AMEX

Why AMEX Outshines ANZ and Westpac:
Card
Earn Rate
Annual Fee
Bonus Offer
Lounge Access
AMEX Airpoints Platinum
1 Airpoints Dollar/$70 spend
$195
300 Airpoints Dollars
​Yes (4 passes)
Westpac Airpoints Platinum
1 Airpoints Dollar/$110 spend (then $220 after $7,000 monthly spend)
$125
None
No
Westpac Airpoints World
1 Airpoints Dollar/$95 spend(then $190 after $15,000 monthly spend)
$310
​None
Yes (Priority Pass)
ANZ Airpoints Platinum
1 Airpoints Dollar/$115 spend
$150
200 Airpoints ​Dollars
No
Consider Switching Today
With Kiwibank’s Airpoints cards gone and ANZ's and Westpac’s cards falling short, AMEX Airpoints Platinum is the clear winner. Apply Now and receive 300 bonus Airpoints and read our review of the card.

MoneyHub Founder Christopher Walsh shares his views about Rewards and Cashback Credit Cards:

Banks (arguably) offer credit cards aggressively to their customers, but my view is that these cards don't deliver the value they should. I frequently receive complaints about poor value bank "cashback" and "reward" cards, just as I do about bank savings account interest rates (as outlined in this Stuff.co.nz column).

That being said, American Express cards stand out by way of their Airpoints, rewards and cashback-earning, exceeding any other bank-issued card. However, as with any credit card, all the benefits are lost if you don't pay the balance in full every month.

Whatever you decide, make sure it's the best for your immediate needs. There's no point getting a card "for later," as you'll either overpay and/or get the wrong rewards. For this reason, we've explained the cards in detail to help your decision-making process. If you are in any doubt about what you can afford, it's likely that the best credit card is "no credit card".
Christopher Walsh MoneyHub
Christopher Walsh
MoneyHub Founder

MoneyHub's Top Three Rewards cards - apply in minutes for a credit card that delivers the best value for money based on your needs:
We're frustrated with the low level of rewards and cashback offered by banks. We don't think being charged $40+ a year to have a rewards credit card that only gives you a $10 voucher for spending $1,500 to $2,000 is a good deal. Sadly, it is the norm.

Our research concluded that three American Express cards offered significantly better rewards and cashback. One card, in particular, doesn't charge an annual fee - we believe this is the only rewards card available in New Zealand to do so. Bank-issued credit cards don't come close to the value-for-money offered by these American Express cards. ​Our guide to the Best American Express Credit Cards has more information about the cards available.
1. Our pick for the best Airpoints credit card (most popular): The American Express Airpoints Platinum card - $195/year fee, earn 1 Airpoints Dollar for every $70 spent (the best rate in New Zealand), status points, lounge access and other travel and insurance perks. Our review of credit card travel insurance policies placed AMEX as the market leader.
  • Be rewarded with 400 bonus Airpoints Dollars when you apply, are approved and spend $1,500 on your new Card within the first 3 months. New Amex Card Members only. Offer ends 26 May 2025. 

2. Our pick for the best rewards card that offers variety and value: The American Express Gold Rewards card. It offers the best of both rewards and statement credits (up to $200/year when you dine out at its partner restaurants in New Zealand). It's a unique card but one that arguably appeals to a range of New Zealanders who want flexibility and top value-for-money in a rewards card. Our review explains the American Express Gold Rewards card further.
  • Bonus offer: $200 statement credit when you apply online, are approved and spend $1,500 on your new Card within the first 3 months. New Card Members only. This one-off bonus statement credit is in addition to the annual dining statement credit.

3. Our pick for the best free rewards credit card (no annual fee card): The American Express Airpoints Card - $0/year fee (earn $1 of rewards for every $100 spent, redeemable at the Airpoints Store (6,000+ reward options) or on flights. 
  • ​Bonus Offer: 50 bonus Airpoints Dollars when you apply, are approved and spend $750 on your new Card within the first 3 months. New Card Members only.

Know This:
  • You can apply in only a few minutes, and there is no obligation to have a credit card issued. 
  • Important: MoneyHub suggests that anyone unable to pay off a monthly credit card balance should look for an alternative source of credit. The majority of credit cards, with American Express being no exception, charge interest rates that can make repayments challenging to manage.

Business Class flight awards:
  • If you're looking to earn points for business class flights, they are available, but you'll most likely need an AMEX - our dedicated Credit Cards That Earn Business Class Flights guide has more details and everything you need to know to make it possible.
AMEX Airpoints Platinum
Best Airpoints Card
AMEX Gold Rewards Card
Best Rewards Card

Cashback and Reward Credit Cards NZ

The Ten Sacred Rules of a Credit Card

Rewards and Cashback credit cards serve very little purpose when they're not used properly. Our must-know facts below overview the basics to maximise the benefits and avoid common pitfalls that make credit card companies (and banks) lots of money at your expense.
Credit Card Rewards and Cashback NZ

Credit Cards are Very Expensive if Not Paid Off

Making the minimum payment will mean the remainder of the balance will be charged a huge amount of interest - anything from 12%  to 25% p.a. For example, taking 12 months to pay off a $4,000 balance will cost around $800 if the interest rate is 20%. That is debt that can be easily avoided with careful budgeting. If you're in doubt, it's best to lower the limit.
Credit Card Rewards and Cashback NZ

If you don’t pay a minimum payment, there are more fees coming

Late payment fees and high interest charges are just the start. Your card will also go to the collections department of your credit card issuer, meaning a lot of hassle and contact to get the balance. Your credit history will also be negatively affected, which can mean you'll pay higher interest rates later on for loans and other credit products.
Credit Card Rewards and Cashback NZ

Credit cards cannot be paid off with other credit cards

This question is asked a lot, but there is no possibility of paying off one credit card with another. Your balance must be paid off with money in your bank account.
Credit Card Rewards and Cashback NZ

Charge only what you can afford to pay off

Be happy and live within your means. If you can’t afford it in 4 weeks, don’t buy it. The stress created and fees you'll pay outweigh the happiness from any non-essential purchase. 
Credit Card Rewards and Cashback NZ

You can move your credit card debt if you need to

There is no obligation to stay with a credit card if you are being charged more than you need to be. Look for a balance transfer deal which will at least reduce the interest costs to as low as 0% for a specific number of months.

Know This: The debt you incurred and transferred still needs to be paid. Low or zero interest doesn’t last forever, so paying off a card is a big priority. ​
Credit Card Rewards and Cashback NZ

Don’t withdraw cash on your credit card

​The interest rate is very high, and you get charged it from the minute you take it out of the machine. Also, you don’t earn any rewards or cashback on cash withdrawals. Cash withdrawals are best only in an emergency situation. 
Credit Card Rewards and Cashback NZ

Choose cards like a winner (but avoid being a slave to rewards)

Low-interest rates are perfect if you sometimes can’t pay them off. If you're a credit card hero and always pay your card off in full every month, look for generous rewards and flight benefits as your habits can afford you such benefits.

However, don’t spend more thinking it will make you better off – the benefits from a credit card are rarely ever above 2% of what you spend, so don’t get caught out overspending.
Credit Card Rewards and Cashback NZ

Don't use credit cards if you will abuse them

​Credit cards offer big limits, but if you can't pay the balance you'll soon face an even bigger debt. Fees added on for late payments can quickly lead to a debt spiral - if you're having debt problems a credit card is rarely the answer.
Credit Card Rewards and Cashback NZ

Don't get too many credit cards

The more cards you have, the more temptation you might have to use them. Also, having several cards is harder to manage and budget for. So keep it light and simple with one or two cards max.
Credit Card Rewards and Cashback NZ

Audit your statement every month

A credit card often has things in it you don’t need to pay for, like automatic renewals you don’t want or memberships you don’t need. Don’t be afraid to relive the past: go line by line through your bill and highlight anything that’s wrong or you can live without. 

MoneyHub's Top Three Rewards cards - apply in minutes for a credit card that delivers the best value for money based on your needs:
We're frustrated with the low level of rewards and cashback offered by banks. We don't think being charged $40+ a year to have a rewards credit card that only gives you a $10 voucher for spending $1,500 to $2,000 is a good deal. Sadly, it is the norm.

Our research concluded that three American Express cards offered significantly better rewards and cashback. One card, in particular, doesn't charge an annual fee - we believe this is the only rewards card available in New Zealand to do so. Bank-issued credit cards don't come close to the value-for-money offered by these American Express cards. ​Our guide to the Best American Express Credit Cards has more information about the cards available.
1. Our pick for the best Airpoints credit card (most popular): The American Express Airpoints Platinum card - $195/year fee, earn 1 Airpoints Dollar for every $70 spent (the best rate in New Zealand), status points, lounge access and other travel and insurance perks. Our review of credit card travel insurance policies placed AMEX as the market leader.
  • Be rewarded with 400 bonus Airpoints Dollars when you apply, are approved and spend $1,500 on your new Card within the first 3 months. New Amex Card Members only. Offer ends 26 May 2025. 

2. Our pick for the best rewards card that offers variety and value: The American Express Gold Rewards card. It offers the best of both rewards and statement credits (up to $200/year when you dine out at its partner restaurants in New Zealand). It's a unique card but one that arguably appeals to a range of New Zealanders who want flexibility and top value-for-money in a rewards card. Our review explains the American Express Gold Rewards card further.
  • Bonus offer: $200 statement credit when you apply online, are approved and spend $1,500 on your new Card within the first 3 months. New Card Members only. This one-off bonus statement credit is in addition to the annual dining statement credit.

3. Our pick for the best free rewards credit card (no annual fee card): The American Express Airpoints Card - $0/year fee (earn $1 of rewards for every $100 spent, redeemable at the Airpoints Store (6,000+ reward options) or on flights. 
  • ​Bonus Offer: 50 bonus Airpoints Dollars when you apply, are approved and spend $750 on your new Card within the first 3 months. New Card Members only.

Know This:
  • You can apply in only a few minutes, and there is no obligation to have a credit card issued. 
  • Important: MoneyHub suggests that anyone unable to pay off a monthly credit card balance should look for an alternative source of credit. The majority of credit cards, with American Express being no exception, charge interest rates that can make repayments challenging to manage.

Business Class flight awards:
  • If you're looking to earn points for business class flights, they are available, but you'll most likely need an AMEX - our dedicated Credit Cards That Earn Business Class Flights guide has more details and everything you need to know to make it possible.
AMEX Airpoints Platinum
Best Airpoints Card
AMEX Gold Rewards Card
Best Rewards Card

Cashback and Reward Credit Cards NZ

Best Reward and Cashback Credit Cards

Our shortlist below includes credit cards from ASB, BNZ, ANZ, Westpac and American Express.

Know This: 
  • Our view is that bank-issued cash back and rewards credit cards offer a much lower level of rewards and cashback when compared to American Express.
  • Our list of cards below makes this clear - all bank-issued rewards and cashback credit cards have annual fees, meaning you'll need to spend $4,000 - $10,000 per year just to earn enough cashback to cover the annual fee. Rewards are even less enticing - spending $1,500 to have a $10 voucher is, sadly, the norm.

Why are American Express Rewards and Cashback Credit Cards More Generous? We presume there are two main reasons:
  1. Firstly, banks have direct distribution to customers so they don't need to be as competitive, whereas American Express is an online provider and has to compete on benefits and price.
  2. Secondly, American Express charges merchants (i.e. supermarkets, petrol stations, power companies) a higher commission relative to Visa and Mastercard. This doesn't affect what an American Express cardholder pays, but it does boost the cashback and reward earning rates compared to bank-issued cards as there is more money to 'give back' by way of rewards and cashback.

An example of cashback and rewards explains the differences better: 
  • Rewards: To earn a Breville Waffle Maker (RRP $100 - $120), an American Express Airpoints Card cardholder needs to spend around $13,000 on their card before redeeming it from the Airpoints store. This card has no annual fee and effectively offers 1 Rewards Dollar for every $100 spent. To earn the same Waffle Maker with the ASB Rewards Visa, Westpac Hotpoints Mastercard or Warehouse Purple Visa, you'd need to spend $18,000+ and also pay the annual $40 - $55 cardholder fee on top.

Best Cashback and Reward Credit Cards Available Right Now

  • We're frustrated with the low level of rewards and cashback offered by banks. We don't think being charged $40+ a year to have a rewards credit card that only gives you a $10 voucher for spending $1,500 to $2,000 is a good deal. Sadly, it is the norm.
  • Our research concluded that three American Express cards offered significantly better rewards and cashback, which we list below. There is also one bank card, the SBS Credit Card Visa, which offers 67 cents cashback for every $100 spent and has no annual fee.

Best Card for Airpoints: The American Express Airpoints Platinum Card

Amex Airpoints Platinum

The Basics

More details: American Express Airpoints Platinum Card
  • ​Annual Fee: $195
  • Airpoints or Membership Rewards? Airpoints
  • Annual percentage interest rate: 22.95% p.a.
  • Interest Free Period: up to 55 days
  • Be rewarded with 400 bonus Airpoints Dollars when you apply, are approved and spend $1,500 on your new Card within the first 3 months. New Amex Card Members only. Offer ends 26 May 2025. 

​Benefits include:
  • Every $70 you spend = 1 Airpoints Dollar, and $250 spend = 1 Status Point
  • Complimentary Domestic and International Travel Insurance
  • Four lounge passes per year (two in Auckland Airport, two for either Sydney or Melbourne)
  • ​Complimentary Mobile phone screen insurance (if you used your AMEX to pay for the phone, up to repair costs of $500) - see the full details here.
  • Learn more or apply
Best Airpoints Card
The American Express Airpoints Platinum is our Favourite Airline Credit Card in our 2025 Editor's Choice Awards. We base this on numbers, not opinion:
  • The numbers don't lie - $70 spent gives cardholders 1 Airpoints Dollar, whereas, with bank-issued platinum cards, you'll spend about double to get the same Airpoints Dollar.
  • The card also offers lounge passes (four per year), a treat that bank-issued cards discontinued in 2022 and early 2023 as part of their 'enhancements'.
  • The card is competitive for anyone needing to top up status points to renew Air NZ Gold or Gold Elite, providing a great tailwind to reach the 810/1350 point thresholds (assuming sufficient qualifying flights are taken).
  • Add in travel insurance benefits and a sign-up bonus, and it's easy to be convinced that the $195 annual fee offers a lot of value, given all the benefits and earning potential.

MoneyHub's editor Christopher Walsh says:
"Banks have scaled down what they offer regarding airline credit cards; we consider this the best Air New Zealand card, bar none, for any of the 500,000+ New Zealanders with a 'platinum' card".

More details: ​American Express Airpoints Platinum Review or Apply Here
AMEX Award Winning Card
AMEX Airpoints Platinum

Best Rewards Card (Variety and Value): The American Express Gold Rewards card

Picture
American Express Gold Rewards Card
More Details: The American Express Gold Rewards Card

The Basics

  • Cashback/Rewards: 2 Membership Rewards Points for every $1 spent, redeemable for flights, statement credit and other award items. Also, statement credits (up to $200/year when you dine out at its partner restaurants in New Zealand).
  • Bonus offer: $200 statement credit when you apply online, are approved and spend $1,500 on your new Card within the first 3 months. New Card Members only. This one-off bonus statement credit is in addition to the annual dining statement credit.
  • ​Our View: The best rewards card available offering the best of both worlds - flexibility and value for money meaning everyday spend will earn awards and qualifying dining out will earn statement credit.
  • More Details: American Express Gold Rewards Card

The Need-to-knows
  • The interest rate is 22.95% p.a
  • $200 annual fee
  • Pay the balance every month to maximise the reward benefits – any late payments and interest charges will destroy your gains.
  • The card is an American Express which is widely accepted throughout New Zealand, although some smaller independent retailers may not accept it. Major retailers who accept it include Countdown, New World, PAK'nSAVE, SuperValue, BP, Caltex, GAS, Gull, Mobil, Shell and Z etc.
Best Rewards Card

American Express Airpoints Credit Card - Earn $1 per $100 spent in Rewards

American Express Airpoints Credit Card
More Details: American Express Airpoints Credit Card

The Basics

  • Cashback/Rewards: 1 Airpoint Dollar for every $100 spent. Airpoints Dollars can be spent at the Airpoints Store (6,000+ options covering fashion, experiences, beauty, health, wine, food, home, tech, outdoors, vouchers and hampers, as well as flights.
  • No annual spend needed to cover the annual card fee (because the card is free)
  • Bonus Offer: 50 Bonus Airpoints Dollars when you apply, are approved and spend $750 on your new Card within the first 3 months. New Card Members only.
  • ​Our View: The best free rewards card available given its generous earning rate.
  • More Details: American Express Airpoints Credit Card ​

The Need-to-knows
  • The interest rate is 0% p.a. for the first 6 months then 22.95% p.a. 
  • $0 annual fee
  • Pay the balance every month to maximise the reward benefits – any late payments and interest charges will destroy your gains.
  • The card is an American Express which is widely accepted throughout New Zealand, although some smaller independent retailers may not accept it. Major retailers who accept it include Countdown, New World, PAK'nSAVE, SuperValue, BP, Caltex, GAS, Gull, Mobil, Shell and Z etc.
Best Free Rewards Card

Best Cashback Earning Rate from a NZ Bank - TSB Platinum Mastercard

TSB Platinum Mastercard NZ
More Details: TSB Platinum Mastercard

The Basics:
  • Annual fee of $90, $8,000 minimum credit limit 
  • Tap & go for purchases under $200
  • Premium insurance cover (outlined below) included for qualifying purchases

​The Need-to-knows:
  • Interest rate: 20.95% p.a
  • Interest-free days: 55
  • Bonus/Rewards: $1 cashback with every $100 spent
  • Free Domestic & Overseas Travel Insurance: Pre-pay at least 50% of your travel expenses using your card and you may be eligible for travel insurance.
  • Purchase Protection: New items purchased with your card for personal use may be protected against theft or accidental damage for 180 days from date of purchase.
  • Mobile Phone Protection: When you pay your monthly mobile phone bill using your card you may qualify for mobile phone insurance for accidental damage or theft.
  • Monthly payments: Must be above the monthly minimum (either 5% or $10 of the closing balance owing - whichever is greater)

Alternative Cashback and Reward Credit Cards

Beyond American Express and TSB, a number of banks such as ANZ, ASB, BNZ, SBS and Westpac, offer rewards and cashback credit cards. We list these below. 

Know This: All the cards listed below have annual fees. This means you have to pay to have the credit card, and this will affect your 'net' cashback or rewards. For each card, we have illustrated how much a cardholder needs to spend to cover the annual card fee to show you the true cost of a cashback or rewards card.

SBS Visa Credit Card - get back 67 cents for every $100 you spend on the card with no annual fee

Picture
More Details: SBS Visa

The Basics:
  • This only free credit card offering cashback, you'll get back 67 cents for every $100 you spend on the card.
  • The higher-than-average interest rate is best avoided by anyone who struggles to pay off their monthly balance.

​The Need-to-knows:
  • Interest rate: 19.65% p.a
  • Interest-free days: 55
  • Bonus/Rewards: $1 Cashback for every $150 spent on the card
  • Monthly payments: Must be above the monthly minimum (either 5% or $10 of the closing balance owing - whichever is greater)

ANZ CashBack Visa - Earn 50 cents or $1 per $150 spent in Cashback

ANZ visa reward points
More Details: ANZ CashBack Visa

The Basics

  • Cashback: $1 cash back for every $150 spent on eligible purchases
  • Estimated annual spend needed to cover the $40 card fee: $6,000
  • ​Automatic credit to your credit card every year
  • ​Our View: The true cashback visa, with up to 1% of your annual spend credited to your account every year
  • More Details: ANZ CashBack Visa

Benefits include:

  • A cash-based reward of $1 for every $150 dollar you spend 

The Need-to-knows

  • The interest rate is 20.95% p.a.
  • The annual fee of $40 will be charged on opening and the succeeding years, an additional card is $5 per year.
  • Pay the balance every month to maximise the reward benefits – any late payments and interest charges will destroy your gains.
  • The card is a VISA which is widely accepted along with Mastercard throughout New Zealand.

Big Spender?

  • The ANZ Visa Cashback Platinum offers $1 cashback for every $120 spent on eligible purchases. 

ASB Visa Rewards - Earn 67 cents per $100 spent in Rewards

ASB visa rewards
More details: ASB Visa Rewards

The Basics

  • Earning rate: 1 True Rewards Dollar per $150 spent
  • Rewards: $1 per $150 spent, or 67 cents per $100 spent (but, cashback can only be redeemed at partner stores and not taken off a credit card bill directly).
  • Estimated annual spend needed to cover the $40 card fee: $6,000
  • ​Rewards: Merchandise and voucher rewards start from 20 True Reward Dollars, with retailer partners including Mobil, Farmers, House of Travel, Vodafone topup - all options are found at the True Reward partner store.
  • More details: ASB Visa Rewards
​
Point conversion options:
  • ​​​A range of point conversion options at the best value; spend $3,000 for a $20 gift card etc and far more rewarding than hotpoints or any other bank program.
  • Flexibility to use True Reward dollars in partners - you can spend them instantly like 'real' dollars at any of the partner stores (Mobil, Farmers, Mitre 10 and 15+ more). 
​
The Details:
  • The interest rate is 20.95% p.a.
    • There is an annual fee of $40 ($20 charged every six months), an additional card is $12 per year ($6 charged every six months).
  • True Rewards points never expire
  • Pay the balance every month to maximise the reward benefits – any late payments and interest charges will destroy your gains.
  • The card is a VISA which is widely accepted along with Mastercard throughout New Zealand.
  • Our view: ​The reality is that unless you’re earning double or triple points, it’s a hard slog to get a reward of any value. You’ll need to spend over $300,000 to get either a Samsung Galaxy S8+ Smartphone or an Apple iPhone 8Plus, which is completely unrealistic for 99.99% of New Zealanders. However, there are a number of low-level rewards which make it user-friendly to anyone spending a standard amount on a credit card every month. 

Big Spender?
The Visa Platinum Rewards card offers 1 True Reward Dollar per $100 spent and throws in overseas travel insurance for an annual fee of $80. This effectively gives the cardholder a 1% cashback.

BNZ Advantage Classic - Earn 67 cents per $100 spent in Cashback

BNZ visa cashback
More details: BNZ Advantage Visa Classic

The Basics

  • ​Earn: 1 Flybuy* earned from every $40 spend, or earn 1 BNZ Point for every $1 spent. 
  • Cashback: Earn $1.34 for every 200 BNZ Points 
  • Estimated annual spend needed to cover the $40 card fee: $5,970
  • Rewards: There are Many cash reward redemption options – you can choose to reduce your credit card balance each month, put your Cash Rewards dollars into a BNZ savings account or KiwiSaver scheme.
  • More details: BNZ Advantage Visa Classic

Benefits include:
  • A range of point conversion options using FlyBuys, but the best value is on cash discounts or saving deposits on BNZ products. 

The details:
  • The interest rate is 20.95% p.a.
  • There is an annual fee of $40 ($20 charged every six months), an additional card is $12 per year ($6 charged every six months).
  • Cash Reward dollars can be used on BNZ financial products, such as bank accounts, credit card bills and KiwiSaver funds.
  • Non-cash rewards must be purchased via Flybuys
  • Pay the balance every month to maximise the reward benefits – any late payments and interest charges will destroy your gains.
  • The card is a VISA which is widely accepted along with Mastercard throughout New Zealand.
  • *Flybuys will close 31 December 2024. You can redeem BNZ Points for Flybuys up until 31 October 2024.

Big Spender?
The BNZ Visa Advantage Platinum offers 1.67 BNZ Points for every $1 spent, as well as 90 days of annual travel insurance for an annual fee of $90. The cashback rate is 1.11% and an annual spend of $8,043 covers the annual fee. The rate for Flybuy earning is $20 = 1 Flybuy, considerably more attractive than the $40 = 1 Flybuy rate for the standard BNZ Advantage Classic Visa card.

Warehouse Purple Visa Card- Earn 67 cents per $100 spent in Rewards Credit

warehouse purple card free rewards
More details: Purple Visa

The Basics

  • Earn: 1 Purple Dollar per $150 spent.
  • ​Rewards: $1 per $150 spent, or 67 cents per $100 spent in Purple Dollar rewards. However, Purple Dollars can only be redeemed at The Warehouse and its related companies; Purple Dollars are not cashback and cannot be taken off a credit card bill). 
  • To redeem Purple Dollars, you must have at least ten (10) Purple Dollars in your account. This means you must have spent at least $1,500.
  • More details: Purple Visa

​The details:
  • The interest rate is 26.65% p.a.
  • $55 annual fee
  • Pay the balance every month to maximise the reward benefits – any late payments and interest charges will destroy your gains.
  • The card is a VISA which is widely accepted along with Mastercard throughout New Zealand.
  • Check out the Warehouse Purple Visa rates and fees.

Westpac hotpoints® Mastercard® - Earn 45 cents Cashback per $100 spent, or around 55 cents with Rewards redemptions

westpac mastercard hotpoints rewards
More details: Westpac hotpoints Mastercard

The Basics

  • ​​Earning rate: 1 hotpoint per $1 spent
  • Cashback: 667 hotpoints to use hotpoints Pay equals $3 credit on your credit card spend. This means that for every $100 you spend, Westpac gives you 45 cents of cashback. However, you must apply the hotpoints manually to your card - it's not automatic.
  • Estimated annual spend needed to cover the $40 card fee: $8,889
  • Rewards: ​Merchandise and voucher rewards start from 2400 hotpoints, with retailer partners including HOYTS, Briscoes, Flight Centre and more – see more at the hotpoints store.
  • Westpac offers luxury rewards in the hotpoints store. Sadly the reality is that unless you’re earning double or triple points, it’s a hard slog to get a reward of any value. For example, you’ll need to spend over $300,000 to get either a Samsung Galaxy S8+ Smartphone or an Apple iPhone 8Plus, which is rather unrealistic in most situations. 
  • Not all is lost. There are a number of low-level rewards which make it user-friendly to anyone spending a standard amount on a credit card every month. 
  • More details: Westpac hotpoints Mastercard

Benefits include
  • Point conversion options: Cardholders can convert points into a Westpac KiwiSaver fund (1800 points for a $10 deposit) which brings the cashback to 56 cents per $100 spent. 20,000 bonus points are worth approximately $90 off your credit card bill or a $111 deposit in a Westpac KiwiSaver fund. 
 
The Need to Knows:
  • The interest rate is 20.95% p.a.
  • There is an annual fee of $40, and an additional card is $15 per year.
  • Hotpoints expire 3 years after they are earned, and if you cancel your credit card, you’ll have 10 days to use them before losing them.
  • Pay the balance every month to maximise the reward benefits – any late payments and interest charges will destroy your gains.
  • The card is a Mastercard which is widely accepted along with VISA throughout New Zealand.
  • Check out the Westpac hotpoints Mastercard rates and fees.

Big spender?
​The hotpoints Platinum Mastercard offers 1.5 hotpoints per $1 spent for an annual fee of $70. This effectively gives the cardholder a 1.4% cashback.  


Beyond Credit Cards - Our Top-Rated Debit Card for Travel and Non-NZD Payments - The Wise Debit Card

Christopher Walsh MoneyHub
Christopher Walsh
MoneyHub Founder (and Frequent User of Wise)

Our View:
  • Very few credit cards offer 0% FX fees; the Westpac and Flight Centre Mastercards are the only two.
  • However, the Wise Debit Card is a popular choice alongside any credit card and offers superior exchange rates and low fees for international transactions.
  • Many New Zealanders use it alongside their credit card to manage finances more effectively while getting the maximum value for every NZD. 
  • The Wise Debit card is a popular backup card useful for everyday spending overseas. MoneyHub readers continue to email our research team to explain how useful the app is to review spending and how surprised they are that the fees for spending overseas are so low.​

Why we like the Wise Debit Card:
  • Best exchange rates: Wise offers the best exchange rates in New Zealand per our research, making every NZ Dollar stretch further.
  • No hidden fees: Spend abroad and online without worrying about hidden fees while tracking all your spending easily through their app with the option to convert and hold 54 different currencies.
  • Go cardless: The Wise Card links to Apple Pay and Google Pay.
  • Low setup fee: For a low one-time fee of $14, you can order your Wise card and set it up in minutes via the Wise website or app.
  • Online shopping benefits: Enjoy smooth and secure online shopping with Wise. Approve payments easily and benefit from low fees compared to traditional credit cards.
Wise Debit Card Review
Visit Wise
Our Wise Debit Card Review
Favourite Travel Money Card 2023

MoneyHub's Top Three Rewards cards - apply in minutes for a credit card that delivers the best value for money based on your needs:
We're frustrated with the low level of rewards and cashback offered by banks. We don't think being charged $40+ a year to have a rewards credit card that only gives you a $10 voucher for spending $1,500 to $2,000 is a good deal. Sadly, it is the norm.

Our research concluded that three American Express cards offered significantly better rewards and cashback. One card, in particular, doesn't charge an annual fee - we believe this is the only rewards card available in New Zealand to do so. Bank-issued credit cards don't come close to the value-for-money offered by these American Express cards. ​Our guide to the Best American Express Credit Cards has more information about the cards available.
1. Our pick for the best Airpoints credit card (most popular): The American Express Airpoints Platinum card - $195/year fee, earn 1 Airpoints Dollar for every $70 spent (the best rate in New Zealand), status points, lounge access and other travel and insurance perks. Our review of credit card travel insurance policies placed AMEX as the market leader.
  • Be rewarded with 400 bonus Airpoints Dollars when you apply, are approved and spend $1,500 on your new Card within the first 3 months. New Amex Card Members only. Offer ends 26 May 2025. 

2. Our pick for the best rewards card that offers variety and value: The American Express Gold Rewards card. It offers the best of both rewards and statement credits (up to $200/year when you dine out at its partner restaurants in New Zealand). It's a unique card but one that arguably appeals to a range of New Zealanders who want flexibility and top value-for-money in a rewards card. Our review explains the American Express Gold Rewards card further.
  • Bonus offer: $200 statement credit when you apply online, are approved and spend $1,500 on your new Card within the first 3 months. New Card Members only. This one-off bonus statement credit is in addition to the annual dining statement credit.

3. Our pick for the best free rewards credit card (no annual fee card): The American Express Airpoints Card - $0/year fee (earn $1 of rewards for every $100 spent, redeemable at the Airpoints Store (6,000+ reward options) or on flights. 
  • ​Bonus Offer: 50 bonus Airpoints Dollars when you apply, are approved and spend $750 on your new Card within the first 3 months. New Card Members only.

Know This:
  • You can apply in only a few minutes, and there is no obligation to have a credit card issued. 
  • Important: MoneyHub suggests that anyone unable to pay off a monthly credit card balance should look for an alternative source of credit. The majority of credit cards, with American Express being no exception, charge interest rates that can make repayments challenging to manage.

Business Class flight awards:
  • If you're looking to earn points for business class flights, they are available, but you'll most likely need an AMEX - our dedicated Credit Cards That Earn Business Class Flights guide has more details and everything you need to know to make it possible.
AMEX Airpoints Platinum
Best Airpoints Card
AMEX Gold Rewards Card
Best Rewards Card

Cashback and Reward Credit Cards NZ

Cashback and Reward Credit Cards - Frequently Asked Questions

Using a rewards or cashback credit card is fairly straightforward, and after time you'll receive the benefits. However, some finer points need to be navigated - our questions below anticipate common queries.

Will these cards and their reward levels be valid next year, or the year after?

  • We keep this guide fully up to date, but we cannot predict future credit card offers. Our experience has shown that reward earning rates (i.e. $1 per $150 spent) seldom change on a card, but the number of points required for rewards in programs such as HotPoints and PurpleDollars is subject to change (for better or worse) as new products replace older ones.
  • Annual fees can change - for example, in 2019, The Warehouse introduced an annual fee of $55 to its Purple Visa card, which had been previously advertised and sold to consumers as fee-free.
  • Our advice is to take advantage of the benefits by applying for the credit card that suits your needs.
  • Reward offers like “spend on a credit card and earn an iPhone”, but the reality is that would require you to spend $300,000 or more. Our advice is to think small when it comes to reward cards, and nothing beats cash.  

What is the difference between "Cashback credit cards" and “Rewards credit cards"

  • "​Cashback" credit cards are simple – you earn 0.5% or 1% every time you make a purchase on the card, and you get paid out once a year with the amount taken off your credit card bill. The advantages are that you know exactly what you’re earning and you get a direct financial benefit by way of savings on your annual spend. 
  • “Rewards” credit cards are similar to cashback, but more complicated. With a rewards card, you earn points or reward dollars every time you spend, which you can convert to gift vouchers to use in a certain retailer or for a specific purpose. You have to use the vouchers to make the Rewards card work, otherwise it’s not worth the annual fee.
  • By correctly targeting the right rewards to redeem your points on, it's possible to increase to amount substantially. To find out how to do this for all schemes and specific info for Nectar, Avios and Tesco, read our Boost Your Loyalty Points and Avios Boosting Tricks guides.

I spend under $5,000 a year? Which card is best to get rewards and not overpay in fees?

  • The most suitable card is the Warehouse Purple card which is free. $5,000 spend will give you $33 in Warehouse vouchers, giving you the benefit of the convenience of a credit card without an annual fee. 
  • Alternatively, the AMEX free Air New Zealand credit card is a free-fee card offering $1 Airpoints per $100 spent. You will need to operate an Airpoints account however, and fly Air New Zealand annually to avoid an annual $30 fee. 

How does American Express/AMEX work in New Zealand? Can I use it widely?

To help determine the acceptance of AMEX in New Zealand and highlight the general feeling from local cardholders, we've pasted a selection of reviews from Reddit members that appear on various PersonalFinanceNZ posts. We include these to help you decide if an American Express credit card is right for your needs:
  • "Definitely worth having in NZ; you can use it at most petrol stations/supermarkets/retailers. Have a backup (debit) card for everything else".
  • "I have had my AMEX for a few months now, and acceptance is not that bad. Almost all big chains accept it, higher-end restaurants, most online shopping (or you can funnel via PayPal), and I can even pay my phone, internet, and power bills with it. However, smaller shops/cafes are unlikely to take it, so I have to bust out my visa debit card occasionally".
  • "I haven't run into any Amex-specific surcharges. Instead, I found that either a business will have a blanket credit card surcharge or, in some cases, a paywave surcharge".
  • "I've had my Amex Airpoints Platinum for 3+ years, and I'm pretty happy with it. I use it for everything I possibly can to build up as many airports as possible. I use it as I would use my debit card and then pay my bill off every month on time. I've already got flights to Fiji out of my points and currently letting points build up for flights to Europe".
  • The $195 card fee is a lot, but if you use it enough and build up your Airpoints Dollars, it's well worth it".
  • "They have nice service. For example, I got double charged once in a store, reported it to AMEX, and got the refund immediately after the call".

Related Guides
  • Best Credit Cards
  • Our Favourite Debit and Credit Cards
  • The Best American Express Credit Cards
  • Free Credit Cards
  • Air New Zealand Credit Cards
  • American Express Credit Cards Review
  • ​Credit Cards That Earn Business Class Flights
  • ​RewardPay Review
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        • Qantas Credit Cards
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  • Banking & Savings
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  • KiwiSaver
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  • Mobile & SIM
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  • Power
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  • Essential Money Tips
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    • Money & Relationships
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      • Guarantors - Loans and Mortgages
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    • Valuable Insights
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  • Financial Independence
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    • Health & Personal Care
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  • Trade Services
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