MoneyHub NZ
  • Search
  • Investing
    • Investing Platforms
      • Reviews
        • Sharesies Review
        • Hatch Review
        • Stake Review
        • Tiger Brokers (NZ) Review
        • Superhero Review
        • BlackBull Markets Share Trading Platform Review
        • ASB Securities Review
        • Jarden Direct Review
        • InvestNow Review
        • Kernel Review
        • Flint Wealth Review
        • Interactive Brokers
        • Smartshares Review
        • Catalist Review
      • Comparisons
        • Sharesies vs Hatch vs Stake
        • Hatch vs Stake
        • Hatch vs Tiger Brokers
        • Sharesies vs Tiger Brokers
        • Stake vs Tiger Brokers
        • Comparing Sharesies vs Investnow vs Hatch vs Jarden 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
        • 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 Asian Markets from New Zealand
        • Understand Gross vs Net
    • Introduction to Investing
      • Guides
        • Index Funds
        • 10 Ways to Invest in New Zealand
        • How to Invest Regularly
        • Passive Investing vs Active Investing
        • Investments You Can Own Forever
        • Investing Mistakes
        • ETFs (Exchange Traded Funds)
        • Best Retirement Income Products in New Zealand
        • Index Funds vs ETFs
        • Shares vs ETFs
        • Dollar-Cost Averaging Guide
        • 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
      • 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
        • Compound Interest Calculator
        • Investment Calculator
        • Savings Calculator
        • Net Worth Calculator
        • Million Dollar Calculator
    • Managed Funds, Tax & DIY Investing
      • Guides
        • Investing Guide
        • Our Favourite 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
        • Managed Funds
          • Booster Private Land and Property Fund Review
        • How to Buy and Sell Bonds
        • Buying NZ Corporate Bonds
        • Trading in a Nutshell
        • Peer to Peer Lending
        • Crowd Funding 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
        • Options Trading
        • Contracts for Difference (CFDs) Guide
        • Futures Trading
        • Commodities Trading
        • Forex Trading Tools
        • Forex Trading Platforms Comparison
        • Forex Trading Courses and Education
        • Forex Regulation
        • Copy Trading
    • Cryptocurrency
      • Reviews
        • Easy Crypto Review
        • Swyftx Review
        • Binance Review
        • Easy Crypto vs Swyftx
        • 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
        • 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
      • Bad Credit Car Loans
      • Car Finance Company Reviews
        • AA Money Review
        • Better Finance Review
        • Kiwi Car Loans Review
        • MTF Finance Review
        • Simplify Loans Review
        • Car Loan Brokers vs Direct Car Finance
      • 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
      • Car Finance Add-On Insurance Guides
        • GAP (Guaranteed Asset Protection Insurance) Insurance
        • MBI (Mechanical Breakdown Insurance)
        • PPI (Payment Protection Insurance)
    • Personal Loans
      • Debt Consolidation Loans
      • Secured 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
      • 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
    • Car Insurance
      • Guides
        • 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
      • Reviews
        • Tower Car Insurance Review
        • Cove Car Insurance Review
        • Trade Me Car Insurance Review
      • AMI vs AA Insurance vs Cove vs State vs Tower vs Trade Me Insurance
      • Young Driver Car Insurance
      • Third Party Car Insurance
      • Caravan Insurance
    • Home, Contents and Other Insurance
      • House Insurance
      • House Insurance Calculator
      • Difficult to Insure Areas
      • Insuring Old Houses
      • Contents Insurance
      • Home and Contents Insurance
      • Renters' Insurance
      • Landlord Insurance
      • Dental Insurance and Dentist Plans
      • Phone Insurance
      • Insurance Excess
      • Motorbike Insurance
      • Initio Review
      • Insurance Brokers
        • Trusted Insurance Brokers in Wellington
        • Trusted Insurance Brokers in Christchurch
    • Pet Insurance
      • Is Pet Insurance Worth Buying?
      • Cat and Dog Desexing
      • Getting a Kitten
      • Buying a Puppy
      • Pet Euthanasia
      • Vet Costs in New Zealand
      • Costs of Owning a Cat
      • Costs of Owning a Dog
    • Life & Health Insurance
      • Life Insurance
        • Life Insurance Policy Comparison - Cigna vs AIA vs Asteron Life vs Fidelity vs Westpac vs Partners Life
        • 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
      • 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
    • The Best American Express Credit Cards
    • Air New Zealand Airpoints Credit Cards
      • ANZ vs AMEX vs Kiwibank 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
    • Reviews
      • American Express Credit Cards Review
        • American Express Airpoints Platinum Review
        • American Express Gold Rewards Card Review
        • AMEX Comparison - Airpoints Platinum vs Gold Rewards
        • American Express Free Card vs Airpoints Platinum
        • American Express Platinum Card Review
        • American Express Membership Rewards Program Review
        • AMEX Cardholder Feedback
        • The Best Ways to Spend AMEX Membership Rewards Points
        • Qantas 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
      • Where is Amex Accepted?
      • Credit Card Interest Calculator
      • How to Request a Credit Card Chargeback
    • Other Credit Cards
      • Travel Money Cards
        • Australia Travel Money
        • Bali Travel Money
        • Fiji Travel Money
        • Rarotonga Travel Money
        • UK Travel Money
      • 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
      • 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
  • Banking & Savings
    • Banking
      • Best Bank Accounts
      • Best Debit Cards
      • Best Joint Bank Accounts
      • Kids Bank Accounts
      • Cut Overdraft Costs
      • Private Banking
      • International Money Transfers
      • Open an Australian Bank Account from New Zealand
      • Open a UK Bank Account from New Zealand
    • Savings
      • Best Term Deposits
      • Booster Savvy Review
      • Best PIE Term Deposits
      • Best Call Accounts
      • Best Savings Accounts
      • Term Deposit Alternatives
    • Guides and Resources
      • Banks vs Credit Unions
      • Open Banking Guide
      • NZ Bank Prefix Codes
    • Reviews
      • Wise International 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
    • Mortgage Management
      • Saving for a House Deposit
      • Pay Off Your Mortgage Faster
      • Mortgage Overpayment Calculator
      • 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 in Christchurch
    • 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
    • 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
      • Our Favourite KiwiSaver Funds
      • Is KiwiSaver Safe?
      • Choosing a KiwiSaver Fund
      • 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
      • 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
      • JUNO KiwiSaver Scheme
      • Kernel KiwiSaver Review
      • Kiwi Wealth KiwiSaver Scheme
      • kōura Wealth KiwiSaver Review
      • Lifestages KiwiSaver Scheme
      • MAS KiwiSaver Scheme
        • MAS Review
      • Mercer KiwiSaver Scheme
      • Milford KiwiSaver Plan
      • New Zealand Defence Force KiwiSaver Scheme
      • Nikko AM 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
      • Prospa Business Loans Review
      • Bizcap Business Loans Review
    • Business Insurance
      • Public Liability Insurance
      • Business Interruption Insurance
      • Professional Indemnity Insurance
    • 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
    • Business Calculators
      • 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
      • Social Media Influencer Marketing
      • PayPal NZ Account Fees
      • Paypal vs Stripe Review
      • Hnry Review
      • n3 Trade Card Review
      • Plain English Awards
    • 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 2023 and 2024
    • Jobseeker Support Guide
    • Accommodation Supplement Guide
    • 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
    • NZ Superannuation in a Nutshell
    • Superannuation Rates 2023
    • Government Departments Helping New Zealanders Directly
    • COVID-19 Help
    • 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
      • CarJam Review
      • CarJam vs MotorWeb Car Report Comparison
      • Top Cars that Hold Their Value
      • Vehicle Leasing
      • Car Registration in New Zealand
    • 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
    • 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
  • Job Hunting
    • Job Applications
      • CV Templates & Tips
      • Cover Letters
      • Common Interview Questions
    • Guides & Resources
      • How to Improve Your LinkedIn Profile
      • Part-Time Jobs Guide
      • Redundancy Payouts and Entitlements
      • How to Get Promoted
      • Self-Employment Guide
      • Workplace Bullying
    • Recruitment Agencies
      • Recruitment Agencies Auckland
      • Recruitment Agencies Wellington
      • Recruitment Agencies Christchurch
  • Travel
    • How to Get Access to Airport Lounges
    • Flybuys Review
    • Fastest Way To Earn Air NZ Status Points
    • How to Redeem Air New Zealand Airpoints Dollars
    • Air New Zealand Koru Membership Review
    • Air New Zealand Travel Tips
    • Air NZ Upgrade Guide
    • Airpoints Flexipay Guide
    • No Nonsense Upgrade Guide
    • Cheap Domestic Flights
    • Car Rental Hire
    • Auckland Airport Car Parking
    • First Table Guide
    • Accor Plus Review
    • Queenstown Like a Local
    • Auckland Travel for Less
    • Hotel Booking Sites Compared
    • 100+ Free Things to do in Auckland
    • Layby Flights Guide
    • Airbnb Refunds (Coronavirus)
    • Air New Zealand Refunds & Credits
    • Google Flights Guide
    • Skyscanner Guide
    • Working Holiday Visas
    • Currency Converter
    • Qatar Airways Travel Tips
    • Foreign Currency Exchange
      • 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
  • Broadband
    • Compare Broadband Plans
    • No Contract Broadband
    • Rural Broadband Plans
    • Internet Speed Test
    • Broadband Provider Reviews
      • 2degrees Broadband Review
      • Bigpipe Broadband Review
      • Compass Broadband Review
      • Contact Broadband Review
      • Electric Kiwi Broadband Review
      • Farmside Broadband Review
      • Flip Broadband Review
      • Mercury Broadband Review
      • MyRepublic Broadband Review
      • NOW Broadband Review
      • One NZ Broadband Review
      • Orcon Broadband Review
      • Spark Broadband Review
      • Skinny Review
      • Slingshot Broadband Review
      • Starlink Review
      • Voyager Broadband Review
      • Wireless Nation Broadband Review
  • Power
    • Compare Power Companies
    • Power and Broadband Bundles
    • How to Lower Your Power Bills
    • Fixed Contracts vs Open Power Plans – What You Need to Know
    • Electric Vehicle Power Plans
    • How to Use Less Power
    • Power Companies
      • Contact Energy Review
      • Ecotricity Review
      • Electric Kiwi Review
      • Flick Electric Review
      • Frank Energy Review
      • Genesis Energy Review
      • Globug Review
      • Mercury Review
      • Meridian Energy Review
      • Nova Energy Review
      • Powershop Review
      • Z Energy Power Review
  • Financial Independence
    • FIRE Guides
      • Retirement in a Nutshell
      • How to Retire Early
      • FIRE Explained
      • The Four Percent Rule
      • Achieving Financial Independence, Faster
      • Five Types of FIRE Plans
      • Getting FIRE’d in New Zealand
      • FIRE and NZ Real Estate
    • FIRE Tools
      • Budgeting Apps
      • Debt Repayment Apps
      • Free Financial Literacy Classes
      • Free Financial Products
      • 50/30/20 Budget Calculator
      • Budget Planner
    • Tax
      • Beginner's Guide to Tax
      • Salary Sacrifice in New Zealand
      • Tax Bracket Creep
      • Tax Refunds
    • Money Tips
      • 20 Things to Stop Buying to Have More Money
      • 20 Indicators You're Doing Well Financially
      • 20 Must-Know Money Lessons (Learned From Experience)
      • 20 Money Habits that Keep You Poor
      • Saving on Household Bills
      • Debt Help
      • CAP (Christians Against Poverty) Review
      • Debtfix Review
      • Getting into Debt to Meet Short Term Living Costs
      • How to Survive a Recession
      • Average NZ Salary by Age
      • How to Maximise Income in Retirement
      • How to Handle Rising Interest Rates
      • Free Money from the Government
      • Bankruptcy Guide
      • Unclaimed Money in New Zealand
      • Financial Planning for Children With Disabilities
      • Should I Stop Contributing to KiwiSaver?
      • Teaching Kids About Money
      • Single Parenting and Money
      • How to Protect Your Finances from Inflation
      • Impacts of Inflation in New Zealand - 2022 and Beyond
      • Tips for Families on a Single Income
      • Side Hustles
      • Charities in New Zealand
      • Lending Money to Friends & Family
      • Guarantors - Loans and Mortgages
  • Trade & Professional Services
    • Auckland Trade & Professional Services
      • Acupuncture Auckland
      • Arborists Auckland
      • Asbestos Removal Auckland
      • Auto Electricians Auckland
      • Bathroom Renovations Auckland
      • Builders Auckland
      • Building Inspectors Auckland
      • Cabinet Makers Auckland
      • Car Detailing Auckland ​
      • Catering Auckland
      • Cattery Auckland
      • Chimney Sweep Auckland
      • Chiropractors Auckland
      • Cleaners Auckland
      • Computer Repair Experts Auckland
      • Concreters Auckland
      • Dentists Auckland
      • Dog Boarding Kennels Auckland
      • Dog Daycare Auckland
      • Dog Grooming Auckland
      • Dry Cleaners Auckland
      • Electricians Auckland
      • Eyelash Extensions Auckland
      • Firewood Auckland
      • Flooring Companies Auckland
      • Fridge Repair Auckland
      • Garage Door Repair Auckland
      • Glaziers Auckland
      • Graphic Design Auckland
      • Gutter Cleaning Auckland
      • Gym Memberships Auckland
      • Hair Salons Auckland
      • Heat Pump & AC Specialists Auckland
      • Home Security Systems Auckland
      • Korean BBQ Auckland
      • Land Surveyors Auckland
      • Landscapers Auckland
      • Lawn Mowing Services Auckland
      • Locksmiths Auckland
      • Mechanics Auckland
      • Makeup Artists Auckland
      • Naturopaths Auckland
      • Optometrists Auckland
      • Painters Auckland
      • Panel Beaters Auckland
      • Personal Trainers Auckland
      • Pest Control Auckland
      • Plumbers Auckland
      • Podiatrists Auckland
      • Puppy School Auckland
      • Roofing Auckland
      • Scaffolding Auckland
      • Screen Printing Auckland
      • Solar Panels Auckland
      • Quality Tyres Auckland
      • Wedding Car Hire Auckland
      • Wedding Celebrant Auckland
      • Wedding Photographers Auckland
      • Wedding Videographers Auckland
      • Window Tinting Auckland
    • Wellington Trade Services
      • Arborists Wellington
      • Bathroom Renovations Wellington
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Compare the Best Credit Cards (November 2023)

Looking for a new credit card? We outline and compare the best credit cards for Balance Transfer, Rewards, Cashback, Air New Zealand Airpoints Dollars, Low Interest and Students.
Best Credit Cards NZ
Updated 8 November 2023

From cards with the lowest interest rates to those that can give you free flights, our research team analysed the market and selected the best offerings, making it easy to find the best credit card for your needs. Our categories include:
  1. Balance Transfer
  2. ​Travel, Airpoints and Rewards
  3. ​Rewards and Cashback
  4. ​Travel and FX Rate
  5. ​Low-Interest
  6. Student​
  7. Free

Important: If you are in any doubt about your ability to repay the full balance of a credit card when it falls due, please consider avoiding credit cards altogether. The interest rates are too expensive and we want to avoid more people falling into the credit card interest debt trap, as outlined in this Stuff.co.nz column by MoneyHub's founder Christopher Walsh.

Advertising Disclaimer: MoneyHub may earn a referral bonus for anyone that’s approved through some of the links below. Our research and findings are independent of any bank, credit card issuer, or product manufacturer/service provider and have not been endorsed by any of these entities. Please see our Advertising Policy for more details about how we make money.

Are you looking for an Airpoints credit card? Things are changing 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 has 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 - as reported in this Stuff.co.nz column), while the BNZ is offering 'points' rather than cashback. We expect other banks to follow.
  • From November 2022, changes in the law have capped 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 in 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. Our guide to the Best American Express Credit Cards has more information about the cards available.

Find a card based on what you spend each month:

Our shortlist has you covered for rewards, cashback and free flights. If you're spending at least $500 a month on credit card-friendly merchants (e.g. supermarkets, petrol stations and everyday expenses), we list the most rewarding cards:
  • Firstly, do you struggle to pay off a credit card? If so, we suggest considering a balance transfer credit card such as the ASB Visa Light and then avoiding credit cards altogether until your finances improve. Credit cards interest is expensive, and debts can become impossible to clear. We're campaigning in the media to make people aware of the appalling costs - if you'd like to share your thoughts, please get in touch with our research team.
  • Do you spend around $500 a month? We suggest considering The American Express Airpoints Card - it costs $0/year and gives you 1 Airpoints Dollar for every $100 you spend. There is currently a bonus offer available to new card members, you can receive 50 bonus Airpoints Dollars when you apply, are approved and spend $750 on your new Card within the first 3 months.
  • Do you spend between $500 and $1,500 a month? We suggest considering The American Express Airpoints Platinum Card -there is a fee of $195/year but it gives you a wide range of benefits, including 1 Airpoints Dollar for every $59 you spend. There is a bonus offer for new card members of  300 bonus Airpoints Dollars when you apply, are approved and spend $1,500 on your new Card within the first 3 months.
  • Do you spend $1,500+ a month? We suggest considering an Airpoints card (The American Express Airpoints Platinum Card leads by way of fees, rewards and benefits).
  • Do you spend $5,000+ a month, own a (profitable) business and/or charge back a lot of work-related expenses? If so, we suggest considering the top-tier American Express Platinum Charge Card, a unique and rewarding option. However, the card fee is not cheap ($1,250/year) but cardholders enjoy extensive reward, travel, hotel, dining and insurance benefits. If you're a business owner, the annual fee is tax deductible while the benefits/rewards are not subject to fringe benefit tax. As a background, 200 points = $1 of statement credit (i.e. cashback on your spend), and cardholders earn 2 points per $1 spent.
  • ​Our guide to the Best American Express Credit Cards has more information about the cards available.

MoneyHub Founder Christopher Walsh shares his views on 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 in many situations. 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).

What's worse - interest rates average around 18% p.a. according to data published by the Reserve Bank. With over $3 billion outstanding every month, New Zealanders spend approximately $500 million a year on just servicing the interest. That's close to $1.5m a day paid out to credit card companies. Repaying credit card balances can drag on for years and I receive emails every week from everyday New Zealanders who are in a credit card debt trap - please don't let this happen to you.

My view is simple: No one should rush into a credit card application. For this reason, we've explained the cards below 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 for you is "no credit card".

Our video below explains what you need to know when it comes to the best credit cards available right now:
Christopher Walsh MoneyHub Founder
Christopher Walsh
MoneyHub Founder

Our Favourite Credit Cards by Category (Airpoints, Rewards and Cashback)

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. But, sadly, it is the norm. What is somewhat helpful is the range of balance transfer offers and long-term low-interest rate cards

Everyone's credit card needs are different, so we've shortlisted five must-consider options to make life cheaper, easier and more rewarding. Our top credit cards are as follows:

1. Our pick for the best Balance Transfer credit card: The Co-operative Bank Fair Rate Credit Card - this card offers 0% interest for six months, $20 annual card fees and a low interest rate after that. If you're serious about paying off credit card debt in six months and getting 'debt free', this card is arguably the fastest way to do it.

2. 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 $59 spent (the best rate in New Zealand), status points, lounge access and other travel and insurance perks. Bonus offer: You'll also get 300 bonus Airpoints Dollars when you apply, are approved and spend $1,500 on your new Card within the first 3 months. New Card Members only. Our comparison of this AMEX card with the ANZ Airpoints Platinum Visa shows the value it offers.

3. Our pick for the best free rewards and benefits credit card (no annual fee card): The American Express Airpoints Card - $0/year fee. Earn $1 of rewards (Airpoints Dollars) for every $100 spent, redeemable at the Airpoints Store (with 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.

4. For general rewards and cashback we have shortlisted several cards:
  • a) Our pick for rewards is the American Express Gold Rewards Card. It offers a generous AMEX point earning ($1 = 2 points, and these points can be redeemed for statement credit, flights and other rewards). It also offers two $100 dining credits every year. Our review explains the American Express Gold Rewards card further.
  • b) For pure cashback, without anything complicated, we suggest considering the SBS Visa Credit Card, which gives you 67 cents for every $100 you spend on the card with no annual fee. You don't need to be a SBS Bank customer either.
  • c) For a top-earning rewards card that has near-endless reward options, we suggest considering the American Express Airpoints Platinum card. The fee is $195/year, and it earns 1 Airpoints Dollar for every $59 spend (the best rate in New Zealand). It also offers status points, lounge access and other travel and insurance perks. You can spend Airpoints Dollars on gifts, food and beverage, Mitre 10 and other hardware shops, flights and thousands of other options. Bonus offer: You'll also get 300 bonus Airpoints Dollars when you apply, are approved and spend $1,500 on your new Card within the first 3 months. New Card Members only.
  • d) Our pick for the best cashback and general rewards (high earner, business owner etc.): If you earn 'six figures' and have a high-end lifestyle and a work situation that lets you charge back expenses to your company or employer, the American Express Platinum Charge Card is unique and rewarding. However, the card fee is not cheap ($1,250/year fee) but cardholders enjoy extensive reward, travel, hotel, dining and insurance benefits. If you're a business owner, the annual fee is tax deductible while the benefits/rewards are not subject to fringe benefit tax. As a background, 200 points = $1 of statement credit (i.e. cashback on your spend), and cardholders earn 2 points per $1 spent. If you can charge back work expenses and tend to spend $3,000+ a month on your card and make use of the extensive benefits, this card will most likely deliver value.

5. Our pick for the lowest interest rate credit card: The Kiwibank Zero Visa - $0/year fee. This card offers a strong 12.90% p.a. interest rate, low card fees and a 1.99% p.a. balance transfer offer. If you don't always pay off your credit card, but have a regular income and don't drag balances, Kiwibank's offer is likely to be the most cost-effective.

Know This:
  • You can apply in only a few minutes, and there is no obligation to have a credit card issued. 
  • 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 charge interest rates that can make repayments challenging to manage.
  • Are you looking for something else? Take a look at our must-have Credit Cards list, which has a number of our favourite options that offer unbeatable value for money.
  • We previously had several buttons featuring low-interest credit cards and balance transfer credit cards. However, we don't want to endorse credit card debt products or encourage debt creation, so we removed them. However, you can find the best offers in their relevant section on this page.

Top Performing Airpoints, Rewards and Cashback Cards:

American Express Airpoints
AMEX Free Airpoints
American Express Gold Rewards

Best Balance Transfer Credit Cards NZ

1. Best Balance Transfer Credit Card

Co-operative bank balance transfer credit card
Our view: The Co-operative Bank's credit card charges an annual fee of $20 and offers an attractive long-term low interest rate. 

​The deal:
  • Interest rate: 0% for 6 months, then 12.95% afterwards
  • Annual fee: $20 ($10 every six months)
  • Balance transfer fee: None
  • Monthly payments: Must be above the monthly minimum (either 3% or $10 of the balance owing - whichever is greater)

​What you need to know:
  1. You can't transfer a balance from another The Co-operative Bank card.
  2. The minimum credit limit is $1,000. The minimum balance transfer amount is $100, and the balance transfer amount can't be above 80% of your credit limit.
  3. After the 0% ends, it's 12.95% interest on any remaining transferred debt until it’s paid off.
  4. Don't spend/withdraw cash on this card, the interest rate for new purchases is 12.95%
  5. You can only transfer from another card once, but you can consolidate multiple cards in one balance transfer.
  6. For more details or to apply, visit the co-operative bank's website. 

Want more options? Read our Review of Balance Transfer Credit Cards for the best deals now available.

MoneyHub in the news: Read our Balance Transfer feature in Stuff.co.nz
Westpac Free Credit Card
Worth Considering: Low Interest Rate, Balance Transfer Options and Zero Fees - Westpac Fee Free Mastercard

Our View: An excellent offering with zero annual fees, zero overseas FX fees and a low interest rate.

​The deal:
  • Interest rate: 12.90% p.a. 
  • Annual fee: $0
  • Balance transfer offer: 5.95% for the life of the balance
  • Monthly payments: Must be above the monthly minimum (either 2% or $5 of the balance owing - whichever is greater)
  • For more details or to apply, visit Westpac's website. 
best balance transfer credit card
Another Option: ASB Visa Light

​
Our view: ASB offers a 0% balance transfer deal, with six months available to clear the balance and improve your financial habits. After six months, the annual interest charge increases to 13.50%. You must request a balance transfer in the first 30 days to get the 0% interest period, and you can't transfer a balance from another ASB card.

The deal:
  • Interest rate: 0% p.a. for six months, thereafter 13.50% p.a. 
  • Annual fee: $0
  • Interest-Free Offers on Purchases: Yes, 6 months interest-free on purchases over $1,000
  • ​Monthly payments: Must be above the monthly minimum (either 3% or $10 of the balance owing - whichever is greater)

Want to apply? Review the credit card in detail here (this link takes you to ASB's website)
best balance transfer credit card
Another Option: ANZ Low Rate Visa

Our view: The ANZ offers an attractive balance transfer for short-term debt with no annual fee in the first year. You'll need to pay the balance off within 24 months to avoid the 9.95%* interest rate being charged on the remaining balance. 

​The deal:
  • Interest rate: 1.99% for 24 months, then 12.90%* afterwards
  • Annual fee: $0 for the first year, then $35 every year afterwards (charged at $17.50 every six months)
  • Balance transfer fee: none
  • Monthly payments: Must be above the monthly minimum (either 3% or $10 of the balance owing - whichever is greater)
  • You need to transfer a balance in the first 30 days to get the 0% interest period.
  • You can't transfer a balance from another ANZ card.
  • After the 0% ends, it's 9.95% interest on any remaining transferred debt until it’s paid off.
  • Don't spend/withdraw cash on this card, the interest rate for new purchases is 9.95%

Want to apply? Review the credit card in detail here (this link takes you to ANZ's website)

​Best Travel, Airpoints and Rewards Card NZ

2. ​Best Travel, Airpoints and Rewards Card

Best Airpoints Credit Card
American Express Airpoints Platinum

​Our view:
  • Despite an annual fee of $195, the card is packed with features. You can review the credit card in detail here.
  • Rewards: You can spend Airpoints Dollars on gifts, food and beverage, Mitre 10 and other hardware shops, flights and thousands of other options. Our guide to redeeming Airpoints Dollars for maximum value has more details.
  • Bonus: You'll also get 300 bonus Airpoints Dollars when you apply, are approved and spend $1,500 on your new Card within the first 3 months. New Card Members only. This sign-up bonus effectively pays for membership fee for at least the first year.
  • With the highest earning rate of Airpoints Dollars (approx 1.70 per NZ$100 spent), and a range of useful insurance and lounge perks, which can save hundreds of dollars if you use rental cars, holiday overseas and/or want the benefit from growing your Airpoints balance each month.
  • American Express is widely accepted around New Zealand with all supermarkets and major retailers covered.
  • Additional benefits also include mobile phone screen insurance (if you paid for your phone with an American Express) and a significant discount on the Koru Club membership.
  • In summary, we believe that the American Express Airpoints Platinum is one of the best credit cards on offer with wide appeal among many New Zealand households.

The deal:
  • ​Annual Fee: $195
  • Airpoints or Membership Rewards? Airpoints
  • Annual percentage interest rate: 19.95% p.a.
  • Interest Free Period: up to 55 days
  • Be aware: To spend enough to cover the annual fee, you'll need to charge around $11.500 (to earn 195 Airpoints Dollars), or, on average, around $1,000 a month.
  • Earning: ​Every $59 you spend = 1 Airpoints Dollar, and $250 spend = 1 Status Point
  • Additional benefits: Complimentary Domestic and International Travel Insurance, four lounge passes per year (two in Auckland Airport, two for either Sydney or Melbourne) and ​complimentary Mobile phone screen insurance (if you used your AMEX to pay for the phone, up to repair costs of $500) and rental car excess insurance (up to $3,000)
  • More details: American Express Airpoints Platinum Review and American Express Free Airpoints Card vs Airpoints Platinum

Want to apply? Review the credit card in detail here (this link takes you to the American Express website)
The American Express Airpoints Platinum is our Favourite Airline Credit Card in our 2023 Editor's Choice Awards. We base this on numbers, not opinion:
  • The numbers don't lie - $59 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 Airpoints Platinum Award Winner 2023
AMEX Airpoints Platinum
Alternatives:
AMEX vs ANZ vs Kiwibank vs Westpac Airpoints Platinum Credit Cards
We have summarised and compared all Airpoints Platinum cards here, which covers ANZ, Kiwibank and Westpac, alongside AMEX. We also have dedicated comparisons:
ANZ

Best Rewards and Cashback Credit Cards NZ

3. Best Rewards and Cashback Credit Cards

For general rewards and cashback we have shortlisted three cards:

a) Our pick for the best rewards card (for average to high earners who pay their credit card in full every month):

For a top-earning rewards card that has near-endless reward options, we suggest considering the American Express Airpoints Platinum card. The fee is $195/year, and it earns 1 Airpoints Dollar for every $59 spend (the best rate in New Zealand). It also offers status points, lounge access and other travel and insurance perks. You can spend Airpoints Dollars on gifts, food and beverage, Mitre 10 and other hardware shops, flights and thousands of other options. Bonus offer: 300 bonus Airpoints Dollars when you apply, are approved and spend $1,500 on your new Card within the first 3 months. New Card Members only.

b) Our pick for the best cashback (for average to high earners who pay their credit card in full every month): For pure cashback, we suggest considering the SBS Visa Credit Card, which gives you 67 cents for every $100 you spend on the card with no annual fee. You don't need to be a SBS Bank customer either. The TSB Platinum Mastercard offers 1.42 cents for every $1 spent but has a $90 annual fee, so you'll need to spend around $6,300 to earn enough cashback to offset the annual fee.

c) Our pick for the best cashback and general rewards (for high earners, business owner etc.): Do you spend $5,000+ a month, own a (profitable) business and/or charge back a lot of work-related expenses? If so, we suggest considering the top-tier American Express Platinum Charge Card, a unique and rewarding option. However, the card fee is not cheap ($1,250/year fee) but cardholders enjoy extensive reward, travel, hotel, dining and insurance benefits. If you're a business owner, the annual fee is tax deductible while the benefits/rewards are not subject to fringe benefit tax. As a background, 200 points = $1 of statement credit (i.e. cashback on your spend), and cardholders earn 2 points per $1 spent.
Picture
The American Express Gold Rewards Card

The Basics:
  • This is a dining credit and rewards card combined - unique in New Zealand. Cardholders choose between a pink or gold metal card when applying.
  • Dining credit: $200 free statement credit per year if you dine out at selected restaurants: American Express has a number of dining partners throughout New Zealand. If you visit them and spend over $100 on one bill, you’ll get $100 credited to your statement. The dining credit resets every six months.
  • Rewards: Cardholders earn 2 Membership Reward Points per $1 spent. This means that an annual card spend of around $25,000 will earn 50,000 Membership Reward Points. This can be converted to 333 Airpoints Dollars, $375 of travel credit (bookable via American Express Travel) or around $250 credit on your card costs (52,000 Membership Rewards points).

​The Need-to-knows:
  • Interest rate: 19.95% p.a
  • Interest-free days: 55
  • Annual fee: $200, billed annually
  • 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.
  • Bonus/Rewards: The American Express Gold Rewards Card earns at a rate of 2 American Express Membership Reward points for every $1 spent. You can use Membership Reward points to pay for travel with American Express directly, or you can convert them to other airline and hotel programs. As a background, 150 Membership Rewards points = 1 Air New Zealand Airpoints Dollar while 2 Membership Rewards points = 1 Qantas Frequent Flyer Point.
  • More details: American Express Gold Rewards Card
SBS Visa Cashback
The SBS Visa

The Basics:
  • The 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: 18.50% 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)
  • More Details: SBS Visa
Picture
The TSB Platinum Mastercard

The Basics:
  • A premium card that offers $1 cashback for every $70 spent (equating to 1.42 cents per $1 spent).

​The Need-to-knows:
  • Interest rate: 20.95% p.a
  • Interest-free days: 55
  • Bonus/Rewards: $1 Cashback for every $70 spent on the card. Alongside travel insurance and purchase protection, Mobile Phone Protection is also a benefit; 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)
  • More Details: TSB Platinum Mastercard
asb rewards credit card
ASB VISA Rewards

​Our View: Forget the high-end rewards such as Samsung phones - no one is going to spend $300,000 to earn one - and focus on the small rewards. Kiwis spending a standard amount on their credit card every month can redeem cashback earnings through a wide selection of "partner stores". 

​The Deal:
  • Earning rate: 1 "True Rewards Dollar" per $150 spent, or 1 for every $75 spent at Mobil
  • Rewards: $1 of rewards value per $150 spent  (calculated at 67 cents per $100 spent). Rewards can only be redeemed at partner stores and not taken off a credit card bill directly.
  • Interest rate: 20.95% p.a.
  • Annual fee: $40 ($20 charged every six months)
  • Monthly payments: Must be above the monthly minimum (either 3% or $10 of the balance owing - whichever is greater)
  • True Rewards points never expire
  • Redemptions: Merchandise and voucher rewards start from 20 True Reward Dollars, with retailer partners including Mobil, Farmers, House of Travel, Vodafone top-up - all options are found at the True Reward partner store.

Want to apply? Review the credit card in detail here (this link takes you to ASB's website).

Want more options? Read our Review of Reward and Cashback Credit Cards for the best deals available now.
bnz advantage classic visa cashback
Runner Up (Cashback): The BNZ Advantage Classic - Best Cashback for Annual Spend under $10,000 

​Our View: The BNZ Advantage Classic visa card offers a great cashback rate at 0.67% and a low card fee of $40 per year. You can put the cash you earn towards your credit card bill. You will have to spend $6,000 per year to earn back the card's annual fee. ​

​The Deal:
  • Interest rate: 20.95%
  • Annual fee: $40 ($20 charged every six months)
  • Monthly payments: Must be above the monthly minimum (either 2% or $25 of the balance owing - whichever is greater)
  • Earn: $1 Cash Reward from Every $150 spent
  • Cashback: $1 per $150 spent (calculates at 66.6 cents per $100 spent).
  • Flybuys Conversion: BNZ $40 = 1 Flybuy.
  • 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

Want to apply? Review the credit card in detail here (this link takes you to BNZ's website).

Want more options? Read our review of Reward and Cashback Credit Cards for the best deals now available.

Our Favourite Credit Cards by Category (Airpoints, Rewards and Cashback)

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. What is somewhat helpful is the range of balance transfer offers and long-term low-interest rate cards.

Everyone's credit card needs are different, so we've shortlisted five must-consider options to make life cheaper, easier and more rewarding. Our top credit cards are as follows:

1. Our pick for the best Balance Transfer credit card: The Co-operative Bank Fair Rate Credit Card - this card offers 0% interest for six months, $20 annual card fees and a low interest rate after that. If you're serious about paying off credit card debt in six months and getting 'debt free', this card is arguably the fastest way to do it.

2. 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 $59 spent (the best rate in New Zealand), status points, lounge access and other travel and insurance perks. Bonus offer: You'll also get 300 bonus Airpoints Dollars when you apply, are approved and spend $1,500 on your new card within the first 3 months. New Card Members only.

3. Our pick for the best free rewards and benefits credit card (no annual fee card): The American Express Airpoints Card - $0/year fee. Earn $1 of rewards (Airpoints Dollars) for every $100 spent, redeemable at the Airpoints Store (with 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.

4. For general rewards and cashback we have shortlisted several cards:
  • a) Our pick for the rewards is the American Express Gold Rewards Card. It offers a generous AMEX point earning ($1 = 2 points, and these points can be redeemed for statement credit, flights and other rewards). It also offers two $100 dining credit every year. Our review explains the American Express Gold Rewards card further.
  • b) For pure cashback, we suggest considering the. For pure cashback without anything complicated, the SBS Visa Credit Card gives you 67 cents for every $100 you spend on the card with no annual fee. You don't need to be a SBS Bank customer either.
  • c) For a top-earning rewards card that has near-endless reward options, we suggest considering the American Express Airpoints Platinum card. The fee is $195/year fee, and it earns 1 Airpoints Dollar for every $59 spend (the best rate in New Zealand). It also offers status points, lounge access and other travel and insurance perks. You can spend Airpoints Dollars on gifts, food and beverage, Mitre 10 and other hardware shops, flights and thousands of other options. Bonus offer: You'll also get 300 bonus Airpoints Dollars when you apply, are approved and spend $1,500 on your new Card within the first 3 months. New Card Members only.
  • d) Our pick for the best cashback and general rewards (high earner, business owner etc.): If you earn 'six figures' and have a high-end lifestyle and a work situation that lets you charge back expenses to your company or employer, the American Express Platinum Charge Card is unique and rewarding. However, the card fee is not cheap ($1,250/year fee) but cardholders enjoy extensive reward, travel, hotel, dining and insurance benefits. If you're a business owner, the annual fee is tax deductible while the benefits/rewards are not subject to fringe benefit tax. As a background, 200 points = $1 of statement credit (i.e. cashback on your spend), and cardholders earn 2 points per $1 spent. If you can chargeback work expenses and tend to spend $3,000+ a month on your card and use the extensive benefits, this card will most likely deliver value.

5. Our pick for the lowest interest rate credit card: The Kiwibank Zero Visa - $0/year fee. This card offers a strong 12.90% p.a. interest rate, low card fees and a 1.99% p.a. balance transfer offer. If you don't always pay off your credit card, but have a regular income and don't drag balances, Kiwibank's offer is likely to be the most cost-effective.

Know This:
  • You can apply in only a few minutes, and there is no obligation to have a credit card issued. 
  • 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 charge interest rates that can make repayments challenging to manage.
  • Are you looking for something else? Take a look at our must-have Credit Cards list which has a number of our favourite options that offer unbeatable value for money.
  • We previously had several buttons featuring low-interest credit cards and balance transfer credit cards. However, we don't want to endorse credit card debt products or encourage debt creation, so we removed them. However, you can find the best offers in their relevant section on this page.

Top Performing Airpoints, Rewards and Cashback Cards:

American Express Airpoints
AMEX Free Airpoints
American Express Gold Rewards

Best Travel and FX Rate Credit Card NZ

4. Best Travel and FX Rate Credit Card

flight centre mastercard
Flight Centre Mastercard

​Our View:  With no international transaction fees and Flight Centre Rewards, the Flight Centre Mastercard is New Zealand's leader for overseas travel. Competing cards charge between 1.80% and 2.5% on top of the value of the purchase. The Flight Centre Mastercard charges 0% and benefits from outstanding Mastercard FX rates. ​

The Deal:
  1. Interest rate: 22.95% pa. Most other reward credit cards charge 20% to 25% p.a., so this is in the range.
  2. ​​Annual fee: $50 (charged as $25 every 6 months). 
  3. No international transactions and currency conversion - you won't pay any FX fees (saving you around 2% to 2.5% compared to most other credit cards).
  4. Up to 44 days interest free terms by paying your closing balance in full by the due date. Interest will apply to any part of the closing balance on your statement that is not paid by the payment due date. This interest will be calculated from the date the relevant purchases were debited to your account.
  5. Long term finance deals, including interest-free terms and extended payment holidays for deals available with Flight Centre and many other retailers.
  6. Straightforward reward system for earning and redeeming - cardholders earn $1.50 of Flight Centre credit for every NZ$100 spent at any retailer, and $3 of Flight Centre credit for every NZ$100 spent at FlightCentre. And, unlike Air New Zealand credit cards, you can spend rewards on ANY airline, hotel or travel package.
  7. Redeeming is easy - Flight Centre credit is automatically deducted from any Flight Centre purchase made with the card. Flight Centre reward credit is valid for three years. 
  8. Cardholders can add an additional card holder for no extra cost - this allows them to earn rewards on more than one person’s spend.
  9. Flight Centre Mastercard integrates with Apple Pay.

Want to apply? Read our Flight Centre Mastercard review

Best Low-Interest Credit Card NZ

5. Best Low-Interest Credit Card

Low interest" isn't synonymous with a bargain deal – credit card interest rates remain above 12% p.a., making repayments challenging. To provide a comprehensive understanding, MoneyHub Founder Christopher Walsh delves into the intricacies of low-interest credit cards:
Best options available:
Westpac Free Credit Card
Low Interest Rate, Balance Transfer Options and Zero Fees - Westpac Fee Free Mastercard

Our View: An excellent offering with zero annual fees, zero overseas FX fees and a low interest rate.

​The deal:
  • Interest rate: 12.90% p.a. 
  • Annual fee: $0
  • Balance transfer offer: Up to 6 months at 0%, then 5.95% for the life of the balance
  • Monthly payments: Must be above the monthly minimum (either 2% or $5 of the balance owing - whichever is greater)
  • For more details or to apply, visit Westpac's website. 
best Kiwibank Low Rate Visa
Another Option: Kiwibank Zero Visa

Our View: This is by far the best low interest credit card on offer - 12.90% is a low interest rate and the card has no annual fee, along with a helpful 1.99% p.a. interest rate for six month on balance transfers. There is up to 55 days of interest free on new purchases. 

​The deal:
  • Interest rate: 12.90% p.a. 
  • Annual fee: $0
  • Interest-Free Offers on Purchases: No
  • Balance transfer: 1.99% p.a. for 6 months
  • Monthly payments: Must be above the monthly minimum (either 5% or $20 of the balance owing - whichever is greater)
  • Balance Transfers: You must request a balance transfer in the first 30 days to get the 0% interest period and you can't transfer a balance from another Kiwibank card. 

Want to apply? Review the credit card in detail here (this link takes you to Kiwibank's website).

​Want more options? Read our Review of Low-Interest Credit Cards for the best deals now available.

6. Best Student Credit Card

ASB Student credit card
ASB Visa Light

Our View: The ASB offers fantastic benefits with its student account, which comes with a fee-free Visa Light credit card. With 6 months interest-free on individual purchases over $1,000 and a low-interest rate of 13.50%, the ASB delivers a package that powers student living.

​The Deal:
  • Interest rate: 13.50% p.a
  • Annual fee: $0
  • Interest-free period: 6 months on individual purchases over $1,000
  • Monthly payments: Must be above the monthly minimum (either 3% or $10 of the balance owing - whichever is greater)
  • Requisites: You will need to be a student to qualify for the student bank account, but the ASB Visa Light is available for anyone to apply and is a fee-free card. 
  • Balance transfers are permitted

Want to apply? Review the credit card in detail here (this link takes you to ASB's website)

Want more options? Read our Review of Student Bank Accounts and Credit Cards for the best deals available now.

MoneyHub in the news: Read our Student Bank Account feature in Stuff.co.nz

7. Best Free Credit Card

AMEX Free Credit Card
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 rewards card available, with no annual fee and a generous redemption rate.
  • More Details: American Express Airpoints Credit Card ​

The Need-to-knows
  • The interest rate is 19.95% 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.
  • More details: American Express Free Airpoints Card vs Airpoints Platinum

Want to apply? Review the credit card in detail here (this link takes you to the American Express website)
ANZ Free Credit Card
Runner Up: ANZ Low Rate Visa

Our View: 
With the lowest interest rate among all free credit cards, we rank this card very highly. You won't get any rewards or bonuses however, so for anyone planning to pay off a credit card every month in full, there are better options.

​​The deal:
  • Interest rate: 12.90% p.a.
  • Interest-free days: 55
  • Bonus/Rewards: None
  • ​Monthly payments: Must be above the monthly minimum (either 3% or $10 of the closing balance owing - whichever is greater)

Want to apply? Review the credit card in detail here (this link takes you to the ANZ's website)

Want more options? Read our Review of Free Credit Cards for the best deals available now.
American Express Credit Card User Reviews NZ

How Does American Express (AMEX) Work in New Zealand? Can I Use Their Cards 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 in 2023.
  • 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".

​Our guide to the Best American Express Credit Cards has more information about the cards available.

Our Favourite Credit Cards by Category (Airpoints, Rewards and Cashback)

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. What is somewhat helpful is the range of balance transfer offers and long-term low-interest rate cards.

Everyone's credit card needs are different, so we've shortlisted five must-consider options to make life cheaper, easier and more rewarding. Our top credit cards are as follows:

1. Our pick for the best Balance Transfer credit card: The Co-operative Bank Fair Rate Credit Card - this card offers 0% interest for six months, $20 annual card fees and a low interest rate after that. If you're serious about paying off credit card debt in six months and getting 'debt free', this card is arguably the fastest way to do it.

2. 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 $59 spent (the best rate in New Zealand), status points, lounge access and other travel and insurance perks. Bonus offer: You'll also get 300 bonus Airpoints Dollars when you apply, are approved and spend $1,500 on your new Card within the first 3 months. New Card Members only.

3. Our pick for the best free rewards and benefits credit card (no annual fee card): The American Express Airpoints Card - $0/year fee. Earn $1 of rewards (Airpoints Dollars) for every $100 spent, redeemable at the Airpoints Store (with 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.

4. For general rewards and cashback we have shortlisted several cards:
  • a) Our pick for the rewards is the American Express Gold Rewards Card. It offers a generous AMEX point earning ($1 = 2 points, and these points can be redeemed for statement credit, flights and other rewards). It also offers two $100 dining credit every year. Our review explains the American Express Gold Rewards card further.
  • b) For pure cashback, we suggest considering the. For pure cashback without anything complicated, the SBS Visa Credit Card gives you 67 cents for every $100 you spend on the card with no annual fee. You don't need to be a SBS Bank customer either.
  • c) For a top-earning rewards card that has near-endless reward options, we suggest considering the American Express Airpoints Platinum card. The fee is $195/year fee, and it earns 1 Airpoints Dollar for every $59 spend (the best rate in New Zealand). It also offers status points, lounge access and other travel and insurance perks. You can spend Airpoints Dollars on gifts, food and beverage, Mitre 10 and other hardware shops, flights and thousands of other options. Bonus offer: You'll also get 300 bonus Airpoints Dollars when you apply, are approved and spend $1,500 on your new Card within the first 3 months. New Card Members only.
  • d) Our pick for the best cashback and general rewards (high earner, business owner etc.): If you earn 'six figures' and have a high-end lifestyle and a work situation that lets you charge back expenses to your company or employer, the American Express Platinum Charge Card is unique and rewarding. However, the card fee is not cheap ($1,250/year fee) but cardholders enjoy extensive reward, travel, hotel, dining and insurance benefits. If you're a business owner, the annual fee is tax deductible while the benefits/rewards are not subject to fringe benefit tax. As a background, 200 points = $1 of statement credit (i.e. cashback on your spend), and cardholders earn 2 points per $1 spent. If you can chargeback work expenses and tend to spend $3,000+ a month on your card and use the extensive benefits, this card will most likely deliver value.

5. Our pick for the lowest interest rate credit card: The Kiwibank Zero Visa - $0/year fee. This card offers a strong 12.90% p.a. interest rate, low card fees and a 1.99% p.a. balance transfer offer. If you don't always pay off your credit card, but have a regular income and don't drag balances, Kiwibank's offer is likely to be the most cost-effective.

Know This:
  • You can apply in only a few minutes, and there is no obligation to have a credit card issued. 
  • 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 charge interest rates that can make repayments challenging to manage.
  • Are you looking for something else? Take a look at our must-have Credit Cards list which has a number of our favourite options that offer unbeatable value for money.
  • We previously had several buttons featuring low-interest credit cards and balance transfer credit cards. However, we don't want to endorse credit card debt products or encourage debt creation, so we removed them. However, you can find the best offers in their relevant section on this page.

Top Performing Airpoints, Rewards and Cashback Cards:

American Express Airpoints
AMEX Free Airpoints
American Express Gold Rewards

Related Guides
  • Best Balance Transfer Credit Cards
  • Best Low-Interest Credit Cards
  • Platinum Airpoints Credit Card Review Comparison
  • ​The Best American Express Credit Cards
  • American Express Credit Cards
  • Where is American Express Accepted? 
  • American Express Airpoints Platinum Review
  • American Express Free Airpoints Card vs Airpoints Platinum
  • American Express Platinum Charge Card Review
  • Best Free Credit Cards
  • Credit Card Minimum Payments
  • Credit Score & Credit Reports
  • How Credit Cards Work
  • ​Overseas Credit Card Fees
  • Credit Card Interest Calculator
  • Debt Help
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