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
      • 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
      • 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
    • 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
    • Kiwi Mobile Review
    • Mobile Data Roaming
    • Saily Review
    • Best iPhone Plans
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The Best Credit Cards for Earning Emirates Skywards Credit Cards Miles

We explain the cards on offer, their fees, interest rates, perks, and how converting points to Emirates Skywards miles works.
Best Emirates Skywards Credit Cards NZ
Updated 3 August 2024
Summary
  • The only credit cards that earn Emirates Skywards Miles in New Zealand are American Express cards and BNZ cards.
  • For AMEX, the most popular card is the American Express Gold Rewards Card ($200/year fee).
  • For the BNZ, 300 BNZ Points = 50 Skywards Miles, and there is a minimum transfer of 600 BNZ Points. Two cards earn BNZ points, as outlined on the BNZ website, but the rate of earning is very low. For example, a $100 spent = 100 and 167 BNZ points with the BNZ Advantage Visa Classic and BNZ Advantage Visa Platinum, which translates to 16.7 and 27.8 Skywards Miles. This is much lower than what an AMEX card earns for the same spend, which we deemed to be very poor. For this reason, we have not focused on the BNZ cards, but you can review them here. You can also see this promotion on the Emirates website.
  • Given the poor value of Skywards miles redemptions from New Zealand, we argue that Skywards is best avoided for any credit card points earning. In January 2023 Emirates devalued the program, increasing reward miles fares by around 100%, as outlined in this trusted airline blog. You'll spend hundreds of thousands of dollars to get a reward flight to Dubai and then pay an absurd amount for taxes and fees.
  • Our research using the Emirates Skywards website confirms the Skywards program provides poor value for all flights to/from Auckland and Christchurch; we suggest New Zealanders refrain from earning Skywards miles via a credit card given there are far more generous alternatives.

If you still wish to consider a New Zealand Skywards mile-earning credit card, our guide outlines what you need to know:
  • American Express offers two credit cards which earn Skywards Miles; both cards earn 2 Membership Rewards Points per NZ$1 spent. You can then convert Membership Rewards Points into Skywards Miles at a rate of 3:1 (3 Membership Rewards points = 1 Skywards Mile). The estimated transfer time is up to one business day, and the minimum transfer amount is 2,000 Membership Rewards Points.
  • No other credit card outside of American Express offers the ability to earn Skywards Miles. All bank-issued credit cards that offer airline rewards focus on Air New Zealand Airpoints Dollars.
  • We calculate that both American Express cards effectively earn Skywards Miles at a rate of $1 spent = 0.67 point, given the American Express earning rate ($1 = 2 Amex points) and the conversion rate (3 Amex points = 1 Skywards Mile).
  • With a return Emirates business class flight from Auckland to London costing 407,500 Skywards miles (per their calculator) and $4,415 in taxes, you'd need to spend $608,000+ on the card to earn the reward.
  • Given that the flight cost in cash is around NZ$10,000 plus taxes, we calculate the earn rate at around 1.6 cents per $1 spent, which is low and arguably poor value for cardholders, and this is before you need to stump up thousands in taxes. With regards to the return business class Christchurch to London example, the value of the award is around $6,000 (given the $4,000+ in taxes charged alongside the points). This brings the earn rate to around 1 cent per $1 spent.
  • If you're serious about Skywards, you'll need to spend above-average amounts and want to redeem business class tickets to enjoy some level of rewards, but the value is very hard to find.
  • American Express periodically offers signup bonuses of Membership Rewards Points, which can be automatically converted into Skywards Miles, reducing the amount of spend to fund a flight award redemption.
  • With Emirates flying daily from Auckland and Christchurch to 100+ destinations in the Middle East, Africa, India and Europe, more New Zealanders are looking at Emirates-related credit cards to boost the miles you'll earn from flying. However, we argue there are far more rewarding ways to use American Express Membership Rewards Points.

In this guide, we look at the pros and cons of having an American Express credit card, the Skywards Miles-earning options and must-know facts. Our guide covers:
  • American Express Pros and Cons
  • American Express Membership Rewards Points Review
  • Best Emirates Skywards Miles-Earning American Express Credit Cards
  • Applying for an American Express Credit Card
  • Must-Know American Express Credit Card Facts
  • Frequently Asked Questions

Read this First
  1. Our guide has been written to appeal to anyone looking to earn Skywards Miles beyond flying Emirates, Qantas or a partner airline.
  2. Cardholders earn Membership Rewards points; what you earn depends on how much you spend.
  3. Our guide is informational only and does not constitute financial advice.
  4. As stated above, American Express credit cards are provided directly by American Express. This means cards are not available through banks or finance companies.
  5. Emirates Skywards is one of many partners American Express offers points. You can transfer to any of the partners, as outlined in our review here.

Advertising Disclaimer: We may receive a payment if you sign up for a credit card via MoneyHub - please read our advertising policy for more details. 

MoneyHub Founder Christopher Walsh shares his views about the Emirates Skywards Program and Choosing a Miles-Earning Credit Card:

"New Zealand banks have never offered Emirates credit cards and left American Express to own the space with two credit cards. You'll earn 'Membership Rewards Points' which can be transferred into Skywards miles for free (at a rate of 3:1) on demand. This means 1 NZD spent on a points-earning American Express card = 0.67 Skywards mile".

"However, my view is simple - why would you bother? Emirates has devalued their program to the extent where you have to spend $608,000+ to get less than $6,000 of value, and better airline transfer partners are easy to find".

"If you're serious about Skywards, there are some limitations with the AMEX cards. Unlike Air New Zealand credit cards, you can't earn status points on American Express spend. This means that anyone looking to qualify (or renew) as Skywards Silver, Gold or Platinum will need to fly and won't be able to rely on credit card spending to get a status point boost.

"Emirates has a dominant position and is popular with New Zealanders thanks to its double-daily Airbus A380 services to Auckland and Christchurch. However, the devaluation of Skywards makes it a poor value AMEX transfer partner and your Membership Rewards Points compared to airlines such as Singapore Airlines".


"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" - all the benefits are lost if you don't pay the balance in full every month".
Christopher Walsh MoneyHub
Christopher Walsh
MoneyHub Founder

Best Emirates Skywards Credit Cards NZ Pros & Cons

American Express Credit Cards - General and Specific Pros and Cons

Pros
  1. The only New Zealand credit cards to earn Emirates Skywards miles - $1 spent = 0.67 Skywards mile.
  2. Travel perks – both cards offer free travel insurance, bonuses for joining and bonuses.
  3. Favourable Customer Dispute Terms – if you experience fraud or wish to question a transaction, American Express will actively fight in your corner.
  4. Customer Service – With American Express, you have a direct line, but if you use Visa and Mastercard, you'll have to deal with your bank. Most New Zealand banks use a multi-option call centre for credit card help with standard office hours. Any troublesome issues may be ‘referred’ to Visa or Mastercard for ‘review’ and 'decision'. American Express operates specific 0800 hotlines which are open 24/7 and makes decisions directly.
  5. Cards are increasingly accepted at major New Zealand retailers – you can use an American Express card at Countdown, New World, PAK'nSAVE and other supermarkets. Other retailers include most petrol stations and airline websites.
  6. You don't need to convert points to Emirates' Skywards program - there are dozens of partners and reward options

Cons
  1. Many non-chain retailers don’t accept it – unlike Mastercard and Visa, which is primarily due to the high merchant fee Amex charges and favourable cardmember terms when disputes are raised.
  2. ​Membership points partnerships – if you don’t spend at least $20,000 a year, a points-earning card would struggle to offer value.

Best Emirates Skywards Credit Cards and Conversions NZ

Beyond the Skywards Miles Conversion - Explaining American Express Membership Rewards Points

Membership Rewards is American Express' awards program. You earn different numbers of points depending on where you spend. These points can be redeemed for Skywards miles as well as vouchers from supermarkets, travel agents and online.

For example, if a card earns 2 points for every $1 spent, $8,000 spent at Petrol Station Partners = 16,000 Membership Reward Points. This converts to:
  • 5,333 Skywards miles
  • $100 Bunnings Gift Card (1.26% reward value)
  • $100 New World Voucher (1.26% reward value)
  • 107 Air New Zealand Airpoints Dollars (1.34% reward value)

Membership Rewards - Our Thoughts:
  • If you spend $200 to $300 a week on groceries and petrol, the rewards are significant, and the flexibility of reward options makes the points useful.
  • Our view is that it's one of the best reward schemes available, when compared to the reward schemes offered by a number of New Zealand banks. You keep the flexibility of a range of choices to redeem American Express points which never expire.
  • You can read more about Membership Rewards Points here.

Best Emirates Skywards Credit Cards New Zealand

The Best Skywards Miles-Earning Credit Cards

There are currently two Skywards mile-earning American Express credit cards offered:
American Express Gold Rewards Card
Learn more or apply

Best Card for Diners and Travellers: The American Express Gold Rewards Card

Basics:
​Annual Fee:
 $200
Reward program: Membership Rewards
Annual percentage interest rate: 19.95% p.a.
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. 
Earn Membership Rewards: The Gold Card earns at a rate of 2 points for every $1 spent. You can use Membership Rewards Points to pay for travel with American Express directly, or you can convert them to other airline and hotel programs.
Conversion Rate: 3 Membership Rewards points = 1 Skywards mile

Read more: AMEX Gold Rewards Card Review

​Benefits include:
  • Two $100 dining credits every year - 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. The participating restaurants are located all over New Zealand, although Auckland, Wellington and Queenstown have the widest choices.
  • Comprehensive domestic and international travel insurance.
  • There is no supplementary card fee.

Learn more or apply

Applying for Emirates Skywards Credit Cards NZ

Applying for an American Express Credit Card

To apply for any American Express credit card, you will need to:
  1. Be over 18 years of age.
  2. Have a good credit history.
  3. Be a permanent resident or citizen of New Zealand.
  4. Meet the minimum income criteria for your chosen Card.
  5. If you are self-employed, you will need to have been trading for at least 18 months or 12 months if you have an existing American Express-issued Card.

You will need to provide:
  1. A copy of your New Zealand driver’s licence (if you hold one)
  2. Personal information, including your current address details.
  3. A current email address and a mobile or landline number.
  4. Financial Information, including your annual income, household income (if married/de facto), monthly living expenses, employment details, superannuation (if retired), or other sources of income.
  5. Details about any other credit cards and loans you have and their balances.

Final steps:
  1. American Express will perform a credit check to assess your financial history
  2. After that, American Express will assess your credit card application and provide a response in between 5 and 10 working days from when you submit your application.

Best Emirates Skywards Credit Cards Facts NZ

Five Must-Know American Express Credit Card Facts

Best Emirates Skywards Credit Cards NZ

​Selecting a Membership Rewards Points American Express needs consideration

  • Emirates only services long-haul destinations from New Zealand; unless you plan to go to the Middle East, India, Africa or Europe, Skywards arguably has little value, although you can use Skywards miles on Qantas.
  • If you don’t fly that often (whether on Emirates or not) and don’t spend a regular amount on a credit card, it may be worth considering the American Express Airpoints Card which earns Air New Zealand Airpoints Dollars but doesn’t charge an annual fee. These can be redeemed widely by flying Air New Zealand, a partner airline, or at the Airpoints Store.

Our view:
  1. For anyone looking for a Emirates credit card, the entry-level American Express Gold Rewards Card ($200/year fee) offers value by way of travel insurance, dining vouchers and one Skywards mile with every $1 spent.
  2. As an example, spending an average of $2,500 per month will earn you over 20,000 Skywards miles.
Best Emirates Skywards Credit Cards NZ

Where you spend makes a big difference when it comes to earning Skywards miles

Important: Your ability to earn rewards will also depend on where you spend and whether or not American Express is accepted. Supermarkets, petrol stations and big retailers are almost certain to accept American Express, but independent retailers may be a different story. For this reason you'll need to have a debit card as a backup.
Best Emirates Skywards Credit Cards NZ

To earn Skywards miles, you'll need to sign up as a member via Emirates' website

Signing up is free and there's no annual fee - you can do so here.
Best Emirates Skywards Credit Cards NZ

American Express cardholders are offered curated tickets via ‘American Express Experiences’

Generally, American Express states that for certain concerts and events, cardholders have access to ‘the best-reserved tickets’.
Best Emirates Skywards Credit Cards NZ

American Express Membership Rewards Points don't expire

Membership Rewards points have no expiration date. However, points may be forfeited if you breach the terms and conditions of the program. You can also decide when to convert points into Skywards miles, and this usually takes around one business day to process and appear in your Skywards account.

Best Emirates Skywards Credit Cards NZ FAQs

Frequently Asked Questions

What credit cards can earn Skywards miles?

Only the American Express Gold Rewards Card ($200/year fee).

What credit card earns the most Skywards miles?

Both American Express cards give the same points (1 Point per $1 spent) since they earn the same amount of Membership Rewards Points, and the transfer/conversion rates to Skywards are the same. However, each card has a different one-off signup bonus which means the Gold card offers fewer Skywards miles in this sense.

What is the best frequent flyer credit card in New Zealand? Is it a Skywards mile-earning card or Air New Zealand Airpoints card? Or something else?

The answer depends on how much you spend per year and your travel or lifestyle demands. Our Air New Zealand Airpoints-earning credit cards review offers alternative cards that arguably offer increased flexibility (by way of Airpoints' ease of use). Saying this, many New Zealanders happily earn Skywards miles using American Express cards and have no plans to change their habits.

Is an AMEX card worth the annual fee to earn Skywards miles?

Skywards credit cards have value if you can earn a decent number of miles and redeem them for business or first class flights. However, it all depends on how much you spend per year - the more you do, it's likely the greater the rewards relative to the annual fee.

Credit Cards vs Charge Cards - What's the Difference?

  • Charge cards look and behave like a credit card, but it doesn’t charge interest if you pay the balance late. Instead, a late fee is charged, which for, as an example, could be $20 or 3.25% of the balance, whichever is the greater.
  • This means if you spend $5,000 and don’t make the repayment by the due date, you’ll be charged a whopping $162.50, which will be added to the balance. You’ll continue to pay the late fee every month until the balance is cleared.

Related Guides
  • American Express Gold Rewards Card Review
  • ​Where are American Express Cards Accepted?
  • Membership Rewards Points Program Review
  • Air New Zealand Credit Cards
  • Rewards and Cashback Credit Cards
  • Best Credit Cards
  • Balance Transfer Credit Cards
  • American Express Air New Zealand Airpoints Platinum Credit Card Review
  • Qantas Frequent Flyer Credit Cards
  • Singapore Airlines Krisflyer Flyer Credit Cards
  • RewardPay Review
  • ​​The Best American Express Credit Cards
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  • Banking & Savings
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      • LifeDirect Mortgages Review
    • Buying a Home
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  • KiwiSaver
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    • For Startups
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  • MSD
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  • Motoring
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  • Law
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  • Travel
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    • Best of New Zealand
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  • Travel Insurance
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  • Mobile & SIM
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  • Power
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  • Essential Money Tips
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      • 10 Hidden and Exorbitant Costs of Living in New Zealand
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    • Money & Relationships
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      • Don’t Let Supporting Your Adult Children Ruin Your Retirement
      • Lending Money to Friends & Family
      • Guarantors - Loans and Mortgages
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    • Valuable Insights
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  • Financial Independence
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  • Life Essentials
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    • Kids Eat Free
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    • Entertainment
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    • Consumer Rights
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    • Shopping Resources
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    • Home & Kitchen
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      • Blinds, Curtains and Drapes Auckland
    • Health & Personal Care
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  • Trade Services
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    • Tauranga Trade Services
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    • Dunedin Trade Services
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    • Napier and Hastings Trade Services
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  • Students
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    • Jobs
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