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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Flybuys Review - Pros, Cons and How to Best Redeem for Maximum Value

Important: Flybuys is closing down on 31 December 2024. Members will continue earning Flybuys across its network until October 31, and have until December 31 to spend their remaining points.

Maximise your rewards with our comprehensive guide on Flybuys, New Zealand's popular loyalty scheme. Uncover how to earn points, understand their worth, and learn strategies for the best value redemptions.
Flybuys NZ Review
Updated 31 May 2024
Summary:
  • ​Flybuys is a popular loyalty program in New Zealand that rewards members with points for their purchases at participating retailers and service providers. We argue that while Flybuys is widely known as a loyalty scheme, it's rarely understood.
  • Our guide is published to bring transparency to how points are earned and the best way to spend them. 100 Flybuys points is worth different amounts depending on what you redeem it on. 
  • The Flybuys program was initially designed to reward customers for their existing purchasing habits. In other words, when customers regularly shop at places like New World, the Flybuys points rewards serve as a form of gratitude for their loyalty. As such, we believe it is a loyalty rewards system rather than a discount program. The dollar value of the rewards may be relatively small, and consumers focused on obtaining the best value may find more substantial savings through price comparison and deal hunting.
  • We see Flybuys a 'good to have' loyalty scheme, and you'll something for being a member. However, it's not cost-effective to 'chase' points and bonus offers - dollar savings always beat any points bonus.
  • Not all Flybuys partners offer the same earning rates: Some credit 1 Flybuys point for every $25 spent (e.g. Liquorland, New World, and State Insurance) while others only offer 1 Flybuys point when you spend $50 (helloworld Travel, Noel Leeming, Torpedo7). This makes a big difference in how fast you'll earn Flybuys points.
  • The best 'bang for a Flybuys point' occurs when redeeming for vouchers with helloworld Travel ($0.138 per point value) and New World ($0.133 per point value). Arguably the worst voucher redemption value is from movie passes ($0.10 per point value).
  • Flybuys NZ offers a diverse range of rewards and it's free to join, convenient, and there's no opportunity cost when you swipe a Flybuys card at a partner merchant. You earn around 0.20% to 0.53% (or even as high as 0.70%+ in a couple of cases) on every $1 spent, which is useful although not lucrative.
  • Converting points to gift cards allows you to get more value by using them on discounted items at relevant stores, with New World and helloworld offering the highest value per Flybuys point (behind converting Flybuys points to BNZ KiwiSaver contributions).
  • Flybuys points are frequently earned in New World. New World Club Cards also integrate into the Flybuys program, but understanding how it works is complicated, and we have outlined the details in a dedicated section below.

This guide explains what Flybuys are, how you can sign up, and the benefits and drawbacks of the Flybuys programme. We also look at the best and worst ways to redeem, as well as listing top facts and frequently asked questions. We cover:
  • Flybuys Basics
  • How Many Flybuys do Retailers Give You? Who is the Most (and Least) Generous?
  • Understanding the Value of Gift Voucher Rewards
  • Petrol Station Discounts
  • New World Club Card vs Flybuys
  • Flybuys Pros and Cons
  • Which Rewards Offer the Best Value When Redeeming Flybuys Points?
  • Should I Redeem via the Flybuys Store or Pay Cash?
  • Frequently Asked Questions

Know This First: Despite its name, the days of redeeming Flybuys for Air New Zealand flights directly with Flybuys are long over. You're unable to convert Flybuys into Airpoints. To use Flybuys for flights, you'll need to redeem your balance with helloworld Travel; you have the option to book directly on their website without any booking fees or purchase a helloworld Travel voucher on the Flybuys website. These vouchers can be used in-store or by contacting helloworld Travel.

Your points do expire: Flybuys points expire after three years if there is no activity on the account. You can avoid this risk by occasionally spending and earning Flybuys points every three years. 

Flybuys NZ Review

Flybuys Basics

  • Background: Flybuys is a loyalty program in New Zealand that rewards members with points for their purchases at participating retailers and service providers. The program is operated by Loyalty New Zealand, a company that manages several loyalty programs in the country. Flybuys is one of the most popular loyalty programs in New Zealand, with over two million members and more than 60 participating retailers and service providers.
  • Rewards: Flybuys points are virtual rewards points that members can earn by making purchases at participating retailers and service providers. The points can be redeemed for various rewards, including gift vouchers, physical goods, discounts on products and services, travel rewards, and experiences. Each point has a different value driven by how it is redeemed.
  • Earning: Flybuys points are earned when members purchase at participating retailers and service providers. The number of points earned per dollar varies by retailer, with some retailers offering more points for certain purchases. Members can also earn points by participating in promotions and special offers or referring friends to the program.
  • Redeem points online: ​Members can redeem their points online through the Flybuys website, or the Flybuys app for 6,000+ options.

Maximising Flybuys (and other loyalty points) when shopping at a Flybuys retailer
With Flybuys, you can potentially "double-dip" or even "triple-dip" to earn more points with each purchase. Here's how you can do that:
  1. Flybuys Partner Points: Shopping with a Flybuys partner allows you to earn Flybuys points directly from the partner at an agreed amount (e.g. New World credits you with 1 Flybuys point for every $25 spent).
  2. Credit Card Points: When you shop at a Flybuys partner and pay with a credit card with a rewards program, you'll earn both Flybuys points from the partner and credit card points from your card issuer. For instance, if you use an Airpoints Dollars-earning credit card, you'll earn Airpoints Dollars at your card's rate.
  3. Special Offers and Promotions: Special offers and promotions run by Flybuys or its partners can, when live, allow you to earn extra Flybuys points - an example appears in the image below:
Flybuys NZ Review Promotion Example
To maximise your points, we suggest considering these strategies:
  1. Always Use Your Flybuys Card: Always present your Flybuys card when shopping at Flybuys partners to ensure you earn points on each purchase.
  2. Choose the Right Credit Card: Choose a credit card that offers rewards if you can always repay the balance month after month. While banks have devalued their credit card rewards earning rates, there are still options - our rewards cards comparison has more details.
  3. Leverage Promotions: Keep an eye on the Flybuys website and sign up for the newsletter to stay informed about promotions that can help you earn extra points.
  4. Please pay Attention to Expiry Dates: Keep track of the expiry dates for your points and redeem them before they expire.

How Many Flybuys do Retailers Give You NZ

How Many Flybuys do Retailers Give You? Who is the Most (and Least) Generous?

Most generous partners (lowest spend per Flybuys point earned):

Retail stores:
  • $10 = 1 Flybuys: Animal Kingdoms Toy Store
  • $20 = 1 Flybuys: Clearly.co.nz
  • $25 = 1 Flybuys: A1 Containers NZ Limited, Beds4U, Liquorland, New World, Petcover and State Insurance
  • $30 = 1 Flybuys: Elgas
  • $50 = 1 Flybuys: Gilmours (excl GST), Harrisons Carpet & Flooring/Curtains & Blinds/Solar, helloworld Travel, Noel Leeming, Torpedo7, Trents (excl GST)
  • 20 litres of fuel (approx $50 to $60) = 1 Flybuys: Caltex, Z and Z Business
  • $100 = 1 Flybuys: Harrisons Commercial

Online stores:
  • $25 = 1 Flybuys: Hallenstein Brothers, Merchant 1948, Scotch & Soda, Agoda, Atmosfar, Boody, Canningvale, Celebration Box, Retailer Logo (Fashion & Accessories), ECCO
  • $40 = 1 Flybuys: Onceit, Healthpost, NZSale, Ally Fashion, Dr. Martens

BNZ - Flybuys earning rates:
Credit Cards:
  • BNZ Advantage Visa Classic: Spend $40 on eligible purchases to earn 1 Flybuys.
  • BNZ Advantage Visa Platinum: Spend $20 on eligible purchases to earn 1 Flybuys.
  • BNZ Advantage Visa Business: Spend $15 on eligible purchases to earn 1 Flybuys.

Insurance:
  • With BNZ's PremierCare Home, Contents, Vehicle, and/or Boat insurances, you can earn Flybuys on the premiums paid. Specifically, a spend of $20 on premiums earns you 1 Flybuys.

Home Loans:
  • The Flybuys you earn are based on the size of your loan each month. The rates are as follows:
  1. If your loan size is less than $50,000, you earn 100 Flybuys per year.
  2. If your loan size is between $50,000 and $149,999, you earn 400 Flybuys per year.
  3. If your loan size is $150,000 or more, you earn 1000 Flybuys per year.

Flybuys earning rates with Europcar:
  • In New Zealand: Earn 1 Flybuys for every NZ$20 spent.
  • In Australia: Earn 1 Flybuys for every AU$20 spent.
  • At selected international destinations beyond New Zealand and Australia: Earn 20 Flybuys per rental. This makes Europcar the first and only car rental partner to offer Flybuys overseas. As always, it's recommended to check with Europcar for the most accurate and current information.

Flybuys Earning Options NZ

Understanding the Value of Gift Voucher Rewards

Among the wide array of reward options available on the Flybuys store, you'll find over 40 gift vouchers from popular retailers. To help you assess their value:
  1. We have assumed a dollar-for-dollar equivalence when calculating the worth of these vouchers.
  2. We then determined the '$ per point' ratio by dividing the dollar value of the voucher by the number of points required for redemption. A higher ratio indicates a higher dollar value per point, making those options relatively more rewarding if you desire a voucher from that retailer.
  3. For instance, when comparing the redemption of New World vouchers (yielding $0.133 per point) to movie cards (yielding $0.10 per point), the New World vouchers offer around 33% more value per point. This calculation considers the fact that you would need fewer Flybuys points to obtain a voucher of similar worth.

Our calculations for the '$ per point' ratios are as follows:

$20 Vouchers/Cards
  • BNZ KiwiSaver Scheme ($20 contribution): 108 points ($0.185 per point)
  • New World (Club Card Conversion): 112 points ($0.179 per point, as 28 Flybuys points = $5 New World Dollars)
  • helloworld Travel: 145 points ($0.138 per point)
  • New World: 150 points ($0.133 per point)

$25 Vouchers/Cards
  • New World (Club Card Conversion): 140 points ($0.179 per point, as 28 Flybuys points = $5 New World Dollars)
  • isubscribe Gift Voucher: 200 points ($0.125 per point)
  • Xbox Store: 180 points ($0.139 per point)
  • Columbus Coffee: 180 points ($0.139 per point)

$30 Vouchers/Cards
  • New World (Club Card Conversion): 168 points ($0.179 per point, as 28 Flybuys points = $5 New World Dollars)
  • Torpedo7: 265 points ($0.113 per point)
  • Z Energy: 270 points ($0.111 per point)
  • Caltex: 270 points ($0.111 per point)
  • Hoyts: 300 points ($0.1 per point)
  • Movie Card & Event Cinema: 300 points ($0.1 per point)
  • The Warehouse: 300 points ($0.1 per point)
  • Give a Garden: 300 points ($0.1 per point)

$40 Vouchers/Cards
  • New World (Club Card Conversion): 224 points ($0.179 per point, as 28 Flybuys points = $5 New World Dollars)
  • Xbox Store: 290 points ($0.138 per point)

$50 Vouchers/Cards
  • New World (Club Card Conversion): 280 points ($0.179 per point, as 28 Flybuys points = $5 New World Dollars)
  • $50 Roadside Rescue - 12-month subscription: 325 points ($0.154 per point)
  • Columbus Coffee: 340 points ($0.147 per point)
  • New World: 375 points ($0.133 per point)
  • Europcar (New Zealand): 365 points ($0.137 per point)
  • helloworld Travel: 365 points ($0.137 per point)
  • Torpedo7: 425 points ($0.118 per point)
  • isubscribe Gift Voucher: 395 points ($0.127 per point)
  • Europcar (Australia): 405 points ($0.123 per point)
  • Xbox Live: 495 points ($0.101 per point)
  • The Warehouse: 500 points ($0.1 per point)
  • Hoyts: 500 points ($0.1 per point)
  • Movie Card: 500 points ($0.1 per point)
  • Event Cinema: 500 points ($0.1 per point)
  • Give a Garden: 500 points ($0.1 per point)
  • Hunting & Fishing: 500 points ($0.1 per point)

$70 Vouchers/Cards
  • New World (Club Card Conversion): 392 points ($0.179 per point, as 28 Flybuys points = $5 New World Dollars)
  • Xbox Live: 495 points ($0.141 per point)

$100 Vouchers/Cards
  • New World (Club Card Conversion): 560 points ($0.179 per point, as 28 Flybuys points = $5 New World Dollars)
  • helloworld Travel: 725 points ($0.138 per point)
  • Hunting & Fishing: 1,000 points ($0.1 per point)
  • Hammer Hardware: 1,000 points ($0.1 per point)

Best Redeeming Options

These lists are calculated using the $ per point ratio, with the top 5 giving the highest dollar value per point and the bottom 5 giving the lowest dollar value per point.

Top 5 (Best $/point) Retailers:
  1. BNZ KiwiSaver Scheme: $0.185 per point ($20 contribution = 108 points)
  2. New World (Club Card Conversion): $0.179 per point, as 28 Flybuys points = $5 New World Dollars, and $25 spent = 1 Flybuys point
  3. helloworld Travel: $0.138 per point ($100 voucher = 725 points)
  4. New World: $0.133 per point ($50 voucher = 375 points)
  5. isubscribe Gift Voucher: $0.125 per point ($50 voucher = 395 points) and Xbox Store: $0.125 per point ($40 voucher = 320 points)

Bottom 5 (Worst $/point) Retailers:
  1. Hunting & Fishing: $0.100 per point ($50 voucher = 500 points)
  2. Hammer Hardware: $0.100 per point ($100 voucher = 1000 points)
  3. The Warehouse: $0.100 per point ($50 voucher = 500 points)
  4. Hoyts: $0.100 per point ($50 voucher = 500 points)
  5. Event Cinema: $0.100 per point ($50 voucher = 500 points)

Calculating Your Rewards When Spending at Popular Retailers

To help explain the value of Flybuys points, we've computed the spend required to earn specific vouchers or contributions and calculated a 'return on spend' percentage for a range of retailers. This figure indicates how much you're essentially getting back in rewards for every dollar spent. This analysis aims to explan the spending required and the value generated in return. This could be particularly helpful when considering where to shop or how to use Flybuys points effectively:

Spending Liquorland, New World, and State Insurance (where $25 = 1 Flybuys):
  1. BNZ KiwiSaver Scheme: Earning a $20 contribution (108 points) requires $2,700 spend (0.74% return on spend)
  2. New World (Club Card Conversion): Earning a $5 credit of New World Dollars requires 28 Flybuys points/$700 spend  (0.71% return on spend) on New World purchases only.
  3. helloworld Travel: Earning a $100 voucher (725 points) requires $18,125 spend (0.55% return on spend)
  4. New World: Earning a $50 voucher (375 points) requires $9,375 spend (0.53% return on spend)
  5. isubscribe Gift Voucher: Earning a $50 voucher (395 points) requires NZD spend (0.51% return on spend)
  6. Xbox Store: Earning a $40 voucher (320 points) requires $8,000 spend (0.50% return on spend)

Spending at helloworld Travel, Noel Leeming, Torpedo7 ($50 = 1 Flybuys) and Spending on fuel at Caltex, Z, and Z Business (20 litres of fuel = $50 = 1 Flybuys):
  1. BNZ KiwiSaver Scheme: Earning a $20 contribution (108 points) requires $5,400 spend (0.37% return on spend)
  2. helloworld Travel: Earning a $100 voucher (725 points) requires $36,250 spend (0.28% return on spend)
  3. New World: Earning a $50 voucher (375 points) requires $18,750 spend (0.27% return on spend)
  4. isubscribe Gift Voucher: Earning a $50 voucher (395 points) requires $19,750 spend (0.25% return on spend)
  5. Xbox Store: Earning a $40 voucher (320 points) requires $16,000 spend (0.25% return on spend)

Exploring the Value: Spending and Redeeming at the Same Retailers

To help understand the true value of Flybuys, we look at New World, Torpedo7, and Z Energy and estimate the spend required to earn a specific voucher at these retailers to calculate a 'return on spend' which shows how much you're getting back in rewards relative to your spend. We publish this to bring transparency and help New Zealanders understand how much value you're truly gaining from your Flybuys points at each retailer.

Important: The figures below are all approximations and actual results may vary based on factors such as promotional offers, bonus points, changes in fuel prices, etc.

Spending and Redeeming at New World:
  • For every $25 spent at New World, you earn 1 Flybuys point
  • The New World $50 voucher costs 375 points, but this is poor value when 28 Flybuys can be converted to $5 New World Dollars.
  • If you redeem the $50 voucher, you'd have to spend $9,375 at New World to earn enough points; the return on spend would be $50 / $9,375 = 0.53%
  • However, 280 Flybuys points can be converted to $50 New World Dollars, the return on spend is 0.71% [$50 / (28 X 25)]

Spending and Redeeming at helloworld Travel:
  • For every $50 spent at helloworld Travel, you earn 1 Flybuys point
  • The helloworld Travel $50 voucher costs 365 points
  • This means you'd have to spend $18,250 at helloworld Travel to earn enough points for a $50 helloworld Travel voucher
  • So, the return on spend would be $50 / $18,250 = 0.27%

Spending and Redeeming at Torpedo7:
  • For every $50 spent at Torpedo7, you earn 1 Flybuys point
  • The Torpedo7 $50 voucher costs 425 points
  • This means you'd have to spend $21,250 at Torpedo7 to earn enough points for a $50 Torpedo7 voucher
  • So, the return on spend would be $50 / $21,250 = 0.24%

Spending on fuel at Z (or Caltex) and Redeeming at Z:
  • For every $50 spent on fuel at Z or Caltex (we've assumed you pay $2.50 per litre so that 20 litres = $50, but this is an example only), you earn 1 Flybuys point
  • The Z Energy $30 gift card costs 270 points
  • This means you'd have to spend $13,500 on fuel at Z or Caltex to earn enough points for a $30 Z Energy gift card
  • So, the return on spend would be $30 / $13,500 = 0.22%

Flybuys Z Caltex

Petrol Station Discounts

MoneyHub users have written to express their fondness for the fuel discounts Flybuys offers. It's complicated, so we asked an experienced user to explain it better. This is their guidance, which we cannot verify given the complexity and the fact no relevant company we contacted to review our research replied.
  1. If you select 'Fuel Discounts' as your Flybuys reward currency, you then have two balances - firstly, your Flybuys points balance, and secondly, your 'Pumped' (Fuel Discounts) balance which is measured in cents off per litre.
  2. Every time you get to 4 Flybuys points, these points disappear, as they are transferred to the Pumped balance instead in the form of 3 cents off per litre.
  3. When you redeem your Pumped balance, you get the amount of cents in your pumped balance multiplied by up to 50 litres. If you have 80c in your balance and fill 50L, you would get a $40 discount (80cents x 50L = 4,000cents or $40). If you have filled up $140 worth of petrol, this will only cost you $100.
  4. The cents in your Pumped balance expire at the end of the following month after they are earned. For example, cents earned in June expire in July. You can manage expiring cents by redeeming the Pumped balance once a month.
  5. You should only use the Pumped discount when filling up a large number of litres.

How does this compare to New World Dollars?
Every 28 Flybuys points can become 5 New World dollars, which means every 5.6 Flybuys earns $1. For Fuel Discounts, every 4 Flybuys points can be converted to 3c off per litre, which can be worth up to $1.50 if filling 50L. If filling 40L (which many people do), you still get $1.20 with just 4 points instead of needing 5.6 points to get $1.

Our MoneyHub user shares other relevant details and experiences:
  1. Your Z/Caltex station might be more expensive than other alternatives. For me, they are 25c more expensive. This only matters if not earning many points. If I earn 133.3 Flybuys points in a month, that is 100 cents off, which is okay, as after I subtract the 'Z/Caltex premium' of 25 cents I am still getting 75 cents off per litre which is pretty good (75c x 40L = 3,000 cents = $30). However, if I was earning 66.7 points per month, that is 50c off, but the 'Z/Caltex premium' would lower my discount to 25c off, which I sense is not great and might push me toward New World dollars instead (25c x 40L = 1000cents = $10)".
  2. "You can also earn extra Flybuys points (or Airpoints) when buying petrol from Z or Caltex, which can be converted into more discounts".
  3. "The Z/Caltex 'Pumped' scheme has its own discount offering independent from Flybuys earned points - you get 6c off per litre at Z/Caltex every time you fill up. You can choose to use the discount in the moment, or if you spend over $40 you can save it for later. This leads to some people doing many $40 transactions in one petrol station visit, using the app, always 'saving the 6c'. Until another day when they go in for a full tank and use all of the saved discounts at once when getting a lot of litres".

New World Club Card vs Flybuys

New World Club Card vs Flybuys

  • Flybuys points are frequently earned in New World. New World Club Cards also integrate to Flybuys, but understanding how it works is complicated. While the conversion rate to 'New World Dollars' is superior to the Flybuys needed to convert to a New World voucher, it's not easy to follow.
  • This New World video explains how Club Card members have three redemption options every time they spend $25 - Flybuys points, Airpoints Dollars or Z/Caltex Fuel discounts. The complexity makes it difficult to make a decision and the video and associated pages on the New World website don't offer much guidance.
  • However, our conversion is follows. $25 spent at New World equals:
  • 1 Flybuys point (28 Flybuys = 5 New World Dollars), or
  • 0.185 Airpoints Dollars, or
  • An interminable discount on fuel (outlined in this incredibly complicated New World summary)
 
If you spend $1,000 at New World, you will earn the following:
  1. Flybuys: You'd earn 40 Flybuys points ($1,000 divided by $25). As 28 Flybuys equals 5 New World Dollars, you'd earn about 7.14 New World Dollars (40 Flybuys points divided by 28 Flybuys points per 5 New World Dollars multiplied by 5).
  2. Airpoints: You'd earn 7.40 Airpoints Dollars ($1,000 multiplied by 0.185 Airpoints Dollars).
  3. Fuel discount: This depends on the specific terms of the discount which you mentioned is complicated, but it's typically a percentage off per litre, capped at a certain number of litres.

Our view: What's best really depends on what you value most. If you travel frequently and can make good use of Airpoints, then the 7.4 Airpoints Dollars might be the most valuable for you. On the other hand, if you shop at New World frequently, the 7.14 New World Dollars might be more beneficial.

The fuel discount could potentially save you money if you purchase a large amount of fuel but we're not convinced given the complexity; you would need to understand the specifics of the discount to determine how valuable it is which will vary day by day. You'll also need to consider factors such as how much you spend on fuel, the per-litre discount, and any caps or limitations in place.

Flybuys Pros and Cons NZ

Flybuys Pros and Cons

Flybuys is free to join, and you're not missing out on any other loyalty points or rewards by using a Flybuys card when making a purchase. For example, if you have a rewards or cashback credit card, you will still earn those points or benefits alongside your Flybuys points. We list the pros and cons to help explain the offering in detail:

Pros:
  1. Versatile Range of Rewards: Flybuys offers many rewards, including travel, merchandise, gift cards, and more. This lets you choose the rewards that best suit your preferences and needs.
  2. Numerous Participating Retailers: Many retailers and businesses participate in the Flybuys program, making accumulating points through everyday purchases easier.
  3. Gift Card Flexibility: Redeeming points for gift cards allows you to use your points on discounted or sale items at the relevant stores, adding more value to your points.
  4. Potential for Savings on Travel: Flybuys' partnership with helloworld can save you money on flights, accommodations, and package deals if you accumulate many points.
  5. Promotions and Special Offers: Flybuys often runs promotions that allow members to earn extra points, boosting your points balance faster.

Cons:
  1. Value Discrepancy: The value of rewards can vary widely. Some items might not offer as good value as others, meaning you might not always get the best value for your points.
  2. Overpriced Merchandise: Some items in the Flybuys store might be priced higher than similar items available elsewhere, meaning they could offer a poorer value when redeemed with points.
  3. Outdated Stock: Flybuys may sometimes offer older or discontinued items as rewards. While these might require fewer points, they may not be as valuable or appealing as newer items.
  4. Hidden Fees on Services: Some services offered through Flybuys, such as car rentals or spas, might include hidden fees or surcharges that can decrease the value you get for your points.
  5. Expiration Dates on Rewards: Some rewards, such as travel and experiences, have expiration dates. You might not get good value for your points if you cannot use the reward within the expiration period.
  6. Non-transferability of some rewards: Certain rewards like flight tickets once purchased may not be transferable, meaning if you cannot use them, your points may go to waste.

Important: The value of a Flybuys point can change depending on what it's redeemed for. So, always compare the equivalent dollar value of a reward with its retail price to ensure you're getting the best value for your points.

Which Rewards Offer the Best Value When Redeeming Flybuys Points NZ

Which Rewards Offer the Best Value When Redeeming Flybuys Points?

  • Point value is the most important thing you must focus on when redeeming Flybuys points.
  • Each item on the Flybuys store or partner rewards will have a corresponding ratio of points per dollar relative to the standard recommended retail price (RRP). Therefore, some rewards may offer a higher value for a smaller number of points, while others may require a larger number of points but offer a lower value. Comparing the point value of different rewards can ensure that you're getting the most out of your points.
  • To caveat, the best value items to redeem with Flybuys points will depend on your personal preferences and needs. However, the best value items to redeem with Flybuys points offer the highest value for the least amount. 

Best Use Redemption Items:

  • ​Gift cards: Flybuys offers a range of gift cards from popular retailers, such as New World, that can be redeemed with points. These gift cards can be a convenient and flexible way to use your points, as they can be used to purchase a wide range of items at participating stores. Additionally, they can be used on items that are discounted or on sale, adding further benefit. Finally, if your points are about to expire, gift cards provide you with additional time to redeem something without them expiring.
  • Travel: Flybuys partners with helloworld to offer flights, accommodation, and package deals. These can be a great way to save money on your next holiday, especially if you have many points to redeem.
  • Merchandise, Food and More: Flybuys has a wide range of merchandise for redemption, including Accommodation & Travel, Bikes, Scooters & Skateboards, Books & Magazines, Clothing, Electronics, Fashion & Accessories, Food & Drink, Gaming, Gift Cards & Conversions, Health & Beauty, Home & Living, Home Appliances, Music, Movies & TV Shows, Musical Instruments & Equipment, Sports, Camping & Outdoors, Tools, Gardening & Automotive, Toys & Baby.

Which Flybuys items offer the worst value that should you avoid?

Regarding redeeming Flybuys points, some items may not offer as good of a value as others. Here are some examples of the worst value items you can redeem with Flybuys points:​

Avoid Redeeming:

  • Overpriced merchandise: Some items offered through Flybuys may be priced higher than similar items available elsewhere. This price differential can make them a poor value when redeemed with points, as you may get more value for your points by redeeming them for a different item.
  • Outdated stock: Flybuys may sometimes offer older or discontinued items as rewards, which may not be as appealing or valuable as newer or more popular items, although the required Flybuys points will be much lower.
  • Services with hidden fees: Some services offered through Flybuys, such as car rentals or spas, may include hidden fees or surcharges that are not disclosed upfront. Be sure to read the fine print and consider the service's total cost before redeeming your points, as this can impact the value you are getting for your points.
  • Non-transferable rewards: Some Flybuys rewards, such as event tickets or package deals, may not be transferable to others. For example, if you redeem Flybuys for a trip booked through helloworld that's in your name, you usually won't be able to change the name later on. This lack of transferability can make them a poor value if you are unable to use the reward yourself or give it to someone else, as your points will be wasted.
  • Expiration dates: Some Flybuys rewards, such as travel and experiences, have expiration dates, which means you need to redeem them within a certain timeframe. If you cannot use the reward within the expiration period, it may be a poor value for the points required.

Flybuys Review  Redeeming vs Paying Cash NZ

Should I Redeem via the Flybuys Store or Pay Cash?

Let's use the Sennheiser HD 450BT Wireless Noise Cancelling Over-Ear Headphones as an example, which requires 1,685 Flybuys points for redemption.
  • First, we need to calculate the New World Dollar value of these points. Outside of Club Card, this is $0.133 (given New World vouchers provide relatively outstanding value for money). The equivalent New World Dollar value of 1,685 points is approximately $224 (1,685 * $0.133).
  • This means that, if you were to convert your Flybuys points to New World Dollars instead of redeeming them for the headphones, you would have around $224 to spend.
  • However, you can buy the same headphones for $167.99, including GST, from pbtech.co.nz.
  • Therefore, if you used 1,685 Flybuys points to get these headphones, you would be getting a value of only $167.99 for points that could have been worth about $224 if spent at New World. This suggests that redeeming the points for these headphones is not the best value.
  • In conclusion, it's generally more beneficial to convert your Flybuys points to New World Dollars rather than using them for merchandise, unless the retail price of the merchandise is higher than the equivalent value in New World Dollars.
  • In this specific case, using the points for the Sennheiser headphones is not a good value proposition, as the retail price of the headphones is significantly lower than what the points are worth when spent at New World.

Comparing Flybuys Store 'prices' with paying cash for the same item:
The Flybuys program allows you to redeem points for various merchandise in the Flybuys Store. But is it a good deal? One way to make a fair comparison is to use the New World rate (0.133%) as a benchmark.

To compare the value of redeeming points for merchandise versus using them at New World, follow these steps:
  1. Determine the New World Dollar value of the item: As established above, this is $0.133.
  2. Compare with the retail price: Look up the retail price of the same item elsewhere on an NZ-based retailer; make sure you're comparing the exact same item, including the model and specifications.
  3. Evaluate the better deal: If the item's retail price is less than its equivalent 'price' in New World Dollars, you would get more value by using your Flybuys points at New World. Conversely, if the retail price is higher than the equivalent 'price' in New World Dollars, the Flybuys Store might offer a better deal.

Other examples:
BLUNT Metro 2.0 Umbrella: This item requires 785 Flybuys points for redemption.
  • First, determine the New World Dollar value of the item. Using your conversion rate of 1 Flybuys point being worth about $0.179 in New World Dollars, the umbrella is worth approximately $104.40 in New World Dollars (785 * $0.133).
  • Next, compare this with the retail price of the same item, which is $129 on the BLUNT umbrellas website.
  • Evaluate the better deal: The umbrella's retail price is more than its equivalent 'price' in New World Dollars. Therefore, you would get marginally more value by using your Flybuys points on the Flybuys Store compared to using them in New World.

Windermere 100% Mohair Throw (Glacier): This item requires 1,065 Flybuys points for redemption.
  • Determine the New World Dollar value of the item. Using your conversion rate, the throw is worth approximately $141.65 in New World Dollars (1,065 * $0.133).
  • Compare this with the retail price of the same item, which is $280 on The Mohair Store.
  • Evaluate the better deal: The throw's retail price is more than its equivalent 'price' in New World Dollars. Therefore, the Flybuys Store might offer a better deal for this item given it's around half the price.

Our view: The decision to redeem Flybuys points for merchandise in the Flybuys Store or to use them at New World should be guided by the comparative retail price of the item. In the examples given, the BLUNT Metro 2.0 Umbrella offers better value when points are spent at New World, while the Windermere 100% Mohair Throw offers better value when redeemed in the Flybuys Store. If you make your calculation using $0.133 X the Flybuys points required for an item, you'll be able to compare the pricing against a trusted retailer.

How can I accumulate Flybuys points faster?

There are a few ways to accumulate Flybuys points faster:
  • Make purchases at participating retailers and service providers: The most obvious way to earn points is by purchasing at participating retailers and service providers, and those that offer the most Flybuys points per $1 spent will boost balances the fastest.
  • Participate in promotions and special offers: Flybuys often runs promotions and offers that allow members to earn extra points.
  • Use a Flybuys credit card: Flybuys has partnerships with the BNZ.

Flybuys Review Frequently Asked Questions NZ

Frequently Asked Questions

How do I join Flybuys?

To join Flybuys, you can either sign up online through the Flybuys website or app or visit a participating retailer or service provider and ask to join the program. Anyone in New Zealand can join Flybuys.

How do I earn Flybuys points?

Purchases at participating retailers and service providers earn Flybuys points. The number of points earned per dollar spent varies by retailer. Members can also earn points by participating in promotions and special offers or referring friends to the program.

How do I redeem Flybuys points?

Flybuys points can be redeemed online through the Flybuys website or app or in-store at participating retailers and service providers. The Flybuys store lists 6,000+ items available to redeem. In addition, a wide range of rewards is available, including discounts on products and services, travel rewards, and experiences.

Do Flybuys points expire?

Flybuys points expire after three years if there is no activity on the account. This means you'll need to make a purchase to earn Flybuys or redeem Flybuys points for an award.

Are there any restrictions on redeeming Flybuys points?

Some rewards may restrict when they can be redeemed, and some may be unavailable at certain times.

How do I check my Flybuys points balance?

​Members can check their Flybuys points balance online through the Flybuys website or app or by contacting Flybuys customer service.

Can I earn Flybuys points on all of my purchases?

Flybuys points can only be earned on purchases from participating retailers and service providers. You can earn Flybuys points on sale items and discounted products.

Can I use my Flybuys points to pay for purchases made with a Flybuys partner gift card or voucher?

In some cases, Flybuys points can be used to pay for purchases made with a Flybuys partner gift card or voucher. Flybuys has partnerships with several retailers and service providers, and members may be able to use their points to pay for eligible purchases made with partner gift cards or vouchers.

Can I earn Flybuys points on purchases made online?

​Yes, Flybuys points can be earned on purchases made online at around 40 online retailers. However, the number of points earned per dollar spent varies by retailer.

Can I earn Flybuys points on purchases made overseas?

It's rare - in most cases, Flybuys points can only be earned on purchases made within New Zealand. However, there may be some exceptions for certain retailers or service providers with a global presence and participating in the Flybuys program, as well as spending with a BNZ Flybuys points-earning credit card.

Can I use my Flybuys points to pay for travel or holiday expenses?

Yes - you can use Flybuys points to pay for travel or holiday expenses through the Flybuys travel partner program. Members can exchange their points with helloworld for travel rewards.

Can I earn Flybuys points on council, government or utility bills (like water and electricity) ?

No - Flybuys points can't be earned on government-related services such as water and rates. It's also rare to find power companies offering Flybuys points.

Can I earn Flybuys points on insurance premiums?

Yes - Flybuys partners with insurers like PetCover, State Insurance and BNZ. The earning rates vary between insurers.

Can I earn Flybuys points on purchases made with a Flybuys partner credit card at a non-partner retailer?

As a background, the BNZ Advantage credit cards earn Flybuys points. This means your Flybuys points can be earned on purchases when the retailer isn't a participating Flybuys retailer. If they do participate, you can 'double dip' on Flybuys by earning using your credit card (at the card earning rate) and the retailer's rate.

Related Guides:
  • How to Best Redeem Airpoints Dollars
  • The Fastest Way To Earn Air NZ Status Points
  • Best ​Rewards and Cashback Credit Cards
  • 20+ Proven Ways to Save Money on Household Bills
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