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
        • Kernel Shares & ETF Investing 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 101
        • 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
        • Shares vs Property Investment
        • 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
        • 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 Hamilton
          • Financial Advisers Tauranga
          • Financial Advisers Napier & Hastings
          • Financial Advisers Palmerston North
          • Financial Advisers Wellington
          • Financial Advisers Lower Hutt & Hutt Valley
          • Financial Advisers Nelson & Tasman
          • Financial Advisers Christchurch
          • Financial Advisers Dunedin
          • Lighthouse Financial Services Review
        • 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
      • Money Sweetspot Review
      • Nectar Review
      • Avanti Finance Review
      • Save My Bacon Review
    • Credit Scores & Interest Rates
      • Credit Scores and Credit Checks
      • How to Build Credit in New Zealand
      • How to Pay Down Debt Faster
      • Baycorp and Debt Collection
      • Interest Rates Guide
      • Interest Rate Comparison
      • Buy Now Pay Later Apps
        • Afterpay Review
        • Laybuy Review
        • Humm Review
        • Zip Review
  • Insurance
    • Compare Insurance
      • Compare Car Insurance
      • Car Insurance by Vehicle
        • Compare Toyota Aqua Insurance Costs
        • Compare Toyota Corolla Insurance Costs
        • Compare Toyota Hilux Insurance Costs
        • Compare Mazda2 and Demio Insurance Costs
        • Compare Ford Ranger Insurance Costs
        • Compare Nissan Navara Insurance Costs
        • Compare Subaru Legacy Insurance Costs
      • Reviews & Policy Comparisons
        • AMI vs AMP vs AA Insurance vs Cove vs State vs Tower vs Trade Me Insurance
        • Cove Car Insurance Review
        • Tower Car Insurance Review
        • Young Driver Car Insurance
        • Trade Me Car Insurance Review
        • Caravan Insurance
      • Car Insurance Guides
        • Third Party Car Insurance
        • How to Get Cheaper Car Insurance
        • Car Insurance Calculator
        • No Claims Bonuses Explained
        • Car Insurance Excess Explained
        • Cheapest Cars to Insure
        • Modifications that Make a Car Uninsurable
        • Car Insurers Directory
        • Car Insurance Glossary
        • Most Stolen Cars
    • Home, Contents and Other Insurance
      • House Insurance
      • House Insurance Calculator
      • Best Holiday Home and Airbnb Insurance Policies
      • Difficult to Insure Areas
      • Sum Insured Explained
      • Is Your Home an Insurance Risk?
      • Average Cost of Car, House, and Contents Insurance
      • Insuring Old Houses
      • Contents Insurance
      • Home and Contents Insurance
      • Renters' Insurance
      • Landlord Insurance
      • Dental Insurance and Dentist Plans
      • Phone Insurance
      • Insurance Excess
      • Insurance Company Financial Strength Ratings
      • Motorbike Insurance
      • Initio Review
      • Insurance Brokers
        • Trusted Insurance Brokers in Wellington
        • Trusted Insurance Brokers in Christchurch
    • Compare Pet Insurance
      • Is Pet Insurance Worth Buying?
      • Cat and Dog Desexing
      • Getting a Kitten
      • Buying a Puppy
      • Pet Euthanasia
      • Vet Costs in New Zealand
      • Dog Vaccination Schedule and Costs
      • Costs of Owning a Cat
      • Costs of Owning a Dog
    • Students Insurance
    • Life & Health Insurance
      • Life Insurance
        • Life Insurance Policy Comparison - Cigna vs AIA vs Asteron Life vs Fidelity vs Westpac vs Partners Life
        • Stepped vs Level Life Insurance
        • Life Insurance Calculator
        • Pre-Existing Medical Conditions
        • Buying Life Insurance Direct vs Using an Insurance Broker
        • Life Insurance Policies - Features and Questions to Ask
        • When To Cancel Or Change a Life Insurance Policy
        • Life Insurance For Smokers and Vapers
      • Health Insurance
        • Going to Australia for Medical Treatment
        • BMI Calculator New Zealand
      • Income Protection Insurance
        • ACC vs Income Protection Insurance
        • Income Protection Insurance for Self Employed
      • Mortgage Insurance
      • Trauma Insurance
      • Redundancy Insurance
      • Funeral Insurance
        • What to Do When a Spouse or Partner Dies
        • Funeral Costs
  • Credit Cards
    • Best Credit Cards
    • Rewards and Cashback Credit Cards
    • Credit Cards That Earn Business Class Flights
    • The Best American Express Credit Cards
    • Air New Zealand Airpoints Credit Cards
      • Kiwibank Airpoints Cards Ending – Best Replacement Options
      • ANZ vs AMEX vs Westpac Platinum Airpoints Credit Cards
      • ANZ Airpoints Visa Platinum vs AMEX Airpoints Platinum
      • Kiwibank Airpoints Platinum Visa vs AMEX Airpoints Platinum
      • Westpac Airpoints Platinum Mastercard vs AMEX Airpoints Platinum
    • Balance Transfer Credit Cards
    • Platinum and Gold Credit Cards
    • Frequent Flyer Credit Cards
    • Travel Credit Cards
    • Interest Free Credit Cards
    • Virtual Debit and Credit Cards
    • Credit Cards That Provide Travel Insurance
    • Reviews
      • American Express Credit Cards Review
        • American Express Airpoints Platinum Review
        • American Express Gold Rewards Card Review
        • American Express Gold Business Card Review
        • AMEX Comparison - Airpoints Platinum vs Gold Rewards
        • Where is AMEX Accepted?
        • American Express Free Card vs Airpoints Platinum
        • American Express Platinum Card Review
        • American Express Membership Rewards Program Review
        • AMEX Cardholder Feedback
        • Valuing AMEX Membership Rewards Points
        • AMEX Dining Collection Program Review
        • The Best Ways to Spend AMEX Membership Rewards Points
        • Qantas Credit Cards
        • Qatar Airways Credit Cards
        • Singapore Airlines KrisFlyer Credit Cards
        • Cathay Pacific Asia Miles Credit Cards
        • Emirates Skywards Credit Cards
        • RewardPay Review
      • Flight Centre Mastercard Review
    • Guides
      • Pay Off Credit Card Debt
      • Credit Card Basics
      • Mastercard vs Visa
      • Credit Card Minimum Payments Explained
      • Credit Card Interest Calculator
      • Credit Card Debt Amortisation Calculator
      • How to Request a Credit Card Chargeback
    • Other Credit Cards
      • Best Foreign Currency Debit & Credit Cards
      • Free Credit Cards
      • Low Interest Credit Cards
      • Credit Cards for Bad Credit
      • Q Card & Q Mastercard Review
      • GEM Visa Review
      • Onecard Visa Review
      • Purple Visa Review
  • Travel Money Cards
    • Travel Money Card Reviews and Comparisons
      • Wise Debit Card Review
      • Revolut Review
      • Revolut vs Wise - Which Is Better?
      • Travelex Money Card vs Wise Debit Card Comparison
      • OneSmart Card vs Wise Debit Card Comparison
      • Cash Passport vs Wise Debit Card Comparison
    • Travel Money By Country
      • Top Travel Destinations Where the NZD is Strong Right Now
      • Australia Travel Money
      • Bali Travel Money
      • Canada Travel Money
      • Europe Travel Money
      • Fiji Travel Money
      • Japan Travel Money
      • Rarotonga Travel Money
      • Singapore Travel Money
      • Thailand Travel Money
      • USA Travel Money
      • UK Travel Money
      • United Arab Emirates Travel Money
  • Banking & Savings
    • Banking
      • Best Bank Accounts
      • Best Debit Cards
      • Best Joint Bank Accounts
      • Kids Bank Accounts
      • Cut Overdraft Costs
      • Private Banking
      • Open an Australian Bank Account from New Zealand
      • Open a UK Bank Account from New Zealand
    • Savings
      • Best Term Deposits
      • Best Notice Saver Accounts
      • Booster Savvy Review
      • Booster Savvy Analytics Review
      • Best PIE Term Deposits
      • Best Call Accounts
      • Best Savings Accounts
      • Term Deposit Alternatives
    • Guides and Resources
      • Banks vs Credit Unions
      • Open Banking Explained
      • NZ Bank Prefix Codes
    • Reviews
      • Wise Money Transfer Review
      • Heartland Bank Review
      • First Credit Union Review
      • NZCU Baywide Review
      • The Co-operative Bank NZ Review
      • Western Union Review
  • Mortgages
    • Mortgage Essentials
      • Best Home Loans
      • Mortgage Calculator
      • Interest Rate Predictions 2025
      • 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
      • 20 Property Investment Risks You Can't Ignore
      • Renting Directly to Tenants vs Using an Agent
      • Interest Deductibility Changes
    • Building a House
      • NZCB Review
      • Average Building Cost Per Square Metre
      • Cost to Build a New House
      • Buying Land to Build a House
      • Construction Loans
      • Tiny Homes in New Zealand
  • KiwiSaver
    • KiwiSaver Basics
      • Our Favourite KiwiSaver Funds
      • Best Performing KiwiSaver Funds
      • Milford vs ANZ KiwiSaver Growth Funds Comparison
      • Free $500+ Government Money for KiwiSaver
      • 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
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  • Banking & Savings
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  • Essential Money Tips
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  • Trade Services
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The Best Travel Credit Cards 2025

Avoid fee-heavy credit cards - we shortlist cards that offer zero or low foreign exchange fees, exclusive travel insurance coverage, lucrative rewards and fraud protection to make your travel money go further. We also outline alternatives, must-know considerations and frequently asked questions.
The Best Travel Credit Cards New Zealand Comparison
Updated 28 May 2025

Summary:
  • Travel credit cards are designed to be used when you're overseas and usually have specific benefits such as low foreign exchange fees, travel insurance coverage and/or travel perks. Travel credit cards are an alternative to everyday credit cards, travel money cards and using your debit or EFTPOS card to withdraw cash from overseas ATMs.
  • The right travel credit card can mean you avoid annoying FX fees or save hundreds or thousands of dollars by activating comprehensive travel insurance. And best of all, the leading Travel Credit Cards are useful for everyday spending in New Zealand and earn meaningful rewards.
  • New Zealanders have, for the most part, historically been ripped off on fees and FX margins when travelling overseas with banks taking a profitable cut, transaction after transaction.
  • However, things are changing - we're committed to bringing transparency to cards and their fees, and it is pleasing to see some innovation with value-focused travel credit cards coming to market.
  • This guide explains what you need to know to make a decision about whether a travel credit card is right for you, and the best options available for a range of needs. We also outline the pros and cons, alternatives and must-know facts and considerations. 

​Our guide covers:
  • How do Travel Credit Cards Work?
  • What are the Benefits of Getting a Travel Credit Card for Travelling Overseas?
  • Key Considerations When Comparing Travel Credit Cards
  • The Best Travel Credit Cards
  • What are the Alternatives to a Travel Credit Card?
  • Cash vs Cards in Countries Popular with New Zealand Visitors
  • Frequently Asked Questions

Know This First: If you're looking for credit card that will earn points or miles with a specific airline, our dedicated guides have you covered:
  • Air New Zealand Credit Cards
  • Emirates Credit Cards
  • Cathay Pacific Credit Cards
  • Qantas Credit Cards
  • Singapore Airlines Credit Cards

MoneyHub Founder and Head of Research Christopher Walsh shares his views about Travel Credit Cards:

"Travel credit cards are not usually promoted as travel-focused, but their fees and benefits make them appealing to New Zealanders heading overseas and using them to pay the costs of the trip. However, it's not typically easy to identify the best cards on offer - we have published this guide to change that.

It's frustrating to see some banks charge 2% (and more) as an FX fee (for doing nothing other than charging you that fee, given Visa or Mastercard processes the transaction on the banks' behalf) while giving you less than 1% back in rewards (or nothing at all if you're using a debit card or have a reward-less credit card).

However, my view is simple - the best travel credit card will either minimise FX fees (with 0% being the best) while maximising rewards (such as points or some form of cashback) while keeping the annual fee competitive. We also like credit cards which go beyond standard offerings and include travel insurance and other travel-specific benefits.

You don't need to travel regularly to benefit from a travel credit card - many cards have valuable benefits for everyday New Zealand spend. If you spend $2,000+ on a credit card every month, there's  a lot you can take advantage of with the right credit card.

We've published this guide to highlight the best travel credit cards and bring transparency to every New Zealander looking for the best travel credit cards.

One thing - if you risk being unable to make repayments in full every month, the interest you'll be charged (over 20% p.a.) will wash away any benefits. It is no fun to return from holiday with a big ewards values. For this reason, I strongly suggest considering to avoid applying for a credit card altogether".
MoneyHub Founder and Head of Research Christopher Walsh
Christopher Walsh
MoneyHub Founder and Head of Research

How do Travel Credit Cards Work? NZ

How do Travel Credit Cards Work?

  • Travel credit cards are, in nature, no different to regular credit cards – the difference is the FX fee and travel insurance and perks they offer. When you make a purchase overseas, the payment will be converted into NZD and FX fees (if any) will be applied. 
  • Important: It's essential to repay the balance in full every month. If you don't, the interest charged will outweigh any savings in FX fees. For most Travel (and general) credit cards, interest rates are running at over 20% p.a., turning overseas spending into expensive debt if you miss a payment. 

Can I withdraw cash with a credit card?
  • Yes, but unless your credit card is topped up to have a positive balance (e.g. you've transferred money from your bank account, so the credit card 'owes' you money), you'll otherwise pay an ATM withdrawal fee and interest from the day you withdraw. 
  • For example, if you withdraw $1,000 on a credit card that charges 24% p.a. and repay the balance in one month, you'll pay $20 in interest costs and an ATM fee (usually around $5). However, if it takes you six months to repay the $1,000, you'll have spent $100+ on interest costs. You'll also pay whatever FX translation fees the card (anything from 0% to 3%). 

Because of these costs, it's likely cheaper to use a travel money card or debit card for overseas cash withdrawals unless you pay off the balance on your Travel credit card in full the same day you make the ATM withdrawal. 

How much does it cost to use a regular credit card abroad?
  • This depends on the card – our guide lists the FX fees for banks and credit card types.

What are the Benefits of Getting a Travel Credit Card for Travelling Overseas NZ

What are the Benefits of Getting a Travel Credit Card for Travelling Overseas?

Generally, Travel credit cards offer two distinct benefits – zero FX fees or comprehensive travel insurance and travel benefits such as lounge access. No credit cards offer zero FX fees and insurance, although we continue to challenge banks to be more innovative and launch such a card. 

Important: Understand FX translation and conversion fees
  • Going overseas is expensive enough without being stung 2% or 3% every time your bank converts NZD to your local currency to pay for a purchase.
  • A credit card with a 2% FX translation fee will, per their fees, take a 2% cut of everything you spend while you're overseas.
  • For example, if a family week trip to the Gold Coast costs $5,000 (hotels, food, theme parks and shopping), 2% of $5,000 is $100. It doesn't sound significant, but you're likely already paying an annual fee to have the card; zero-fee Travel credit cards avoid FX fees altogether, so 1/50th or 1/40th of your holiday budget doesn't enrich a credit card company.  

Know This: If you withdraw cash with a debit card, you'll likely pay an ATM fee and the FX conversion fee on top, which may be higher than the credit card's percentage. Our guide on debit and credit card FX fees explains this further. This means many cardholders are better off using a credit card for purchases (assuming the balance is repaid in full and no interest is charged).

Credit card protection
  • Credit cards protect you overseas if your card details are stolen, cloned or misused – this July 2023 NZHerald article explains why this is important. While credit card fraud is relatively rare in New Zealand, it can happen when you're overseas, and when it does, you want a speedy resolution. Debit cards typically have less protection, as do traditional travel money cards.

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

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

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

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

Key Considerations When Comparing Travel Credit Cards NZ

Key Considerations When Comparing Travel Credit Cards

Selecting the most suitable travel credit card requires a careful comparison of various offerings; our list of important factors to consider helps you make an informed choice:
  1. Interest Rate: You'll be charged if you don't pay off your outstanding balance in full each month. It's usually expressed as a percentage per annum. Ideally, you'll repay the balance owed after each month and never have to pay interest. However, sometimes that's not possible, so a competitive interest rate (e.g. less than 25% p.a.) is arguably very high but 'within range'. Because of the high interest costs, we strongly suggest not applying for any credit card if you don't think you'll be able to make payments in full. 
  2. Fee-free Overseas Transactions: One of the main reasons for obtaining a travel credit card is to avoid fees on overseas spending. Some cards offer 0% FX fees; check if your prospective card offers this feature, as otherwise you'll pay around 1.50% to 3.50%, depending on the card issuer.
  3. Cash Withdrawal Charges: You'll unlikely use this feature unless you're in an emergency and need physical cash, but it's good to know how much a cash withdrawal costs. 
  4. Rewards and Benefits: Does the travel credit card offer rewards or perks, such as cashback on spending or travel insurance? What about lounge access? These benefits can make a card more attractive, especially if you travel frequently and are comfortable with the annual fee.
  5. Eligibility: Ensure you meet the card provider's eligibility requirements before applying. With CFA legislation, credit cards are lent, and there are thorough checks around affordability before any credit card is approved. 

Important: Before signing up for a new travel credit card, ensure it aligns with your financial situation and travel habits. A travel credit card can be a valuable tool for overseas spending, but if you fail to pay off your balance promptly each month, it could result in high-interest costs and mean you carry around long-term debt. With the cost of living what it is, eliminating interest costs is the best way to navigate ever-increasing prices. For this reason alone, it's crucial to consider your ability to manage repayments effectively.

The Best Travel Credit Cards New Zealand

The Best Travel Credit Cards

The shortlist below features award-winning credit cards. MoneyHub's editorial policy limits the amount of awards and recognition we can give - if we do award financial product, we argue it's the best of the best and stands in a class of its own.

Leading Travel Credit Cards
Our shortlist of cards below lead the way with travel-specific value, low fees and helpful benefits:
  • Flight Centre Mastercard (0% FX fee on all non-NZD purchases)
  • American Express Gold Card (travel insurance included, 2.50% FX fee on all non-NZD purchases)
  • American Express Airpoints Platinum (travel insurance included, 2.50% FX fee on all non-NZD purchases)
  • Westpac Fee Free Mastercard (0% FX fee on all non-NZD purchases)

Leading Debit Card and Travel Money Card Options
It pays to have a backup to any credit card when heading overseas; this card offer the lowest fees:
  • Wise Travel Money Card (around 0.50% FX fee on all non-NZD purchases)
Flight Centre Mastercard NZ
Flight Centre Mastercard
More Details

Favourite Travel Credit Card - Flight Centre Mastercard

Our view:
  • The Flight Centre Mastercard is an innovative product that gives travellers rewards for everyday spending which can be seamlessly redeemed against your next travel booking with Flight Centre.
  1. We are fans of the fact the card has no international transactions and currency conversion fees, which means you won't pay any FX fees (saving you around 2% compared to most other credit cards).
  2. The straightforward reward system for earning and redeeming is most welcome - cardholders earn 1.5 Flight Centre Rewards for every NZ$100 spent at any retailer and 3 Flight Centre Rewards credit for every NZ$100 spent at FlightCentre. 1 Reward = $1 to spend at Flight Centre.
  3. And, you can spend rewards on ANY airline, hotel or travel package booked through Flight Centre.
  4. Redeeming is easy; Flight Centre credit is automatically deducted from any Flight Centre purchase made with the card. Flight Centre reward credit is valid for three years. 
  5. It also gives you room to breathe with long term interest free deals in-store at Flight Centre and thousands of participating retailers throughout New Zealand.

MoneyHub's editor Christopher Walsh says:
"A credit card that offers free FX fees and a 3% rebate on Flight Centre bookings is a win-win. New Zealanders can spend $10,000+ on a trip of a lifetime before leaving NZ and get a $300 credit for future travel at a time when bank credit card rewards have been scaled down, makes this our favourite travel card. Flight Centre launched this card in 2018 (per our research published in interest.co.nz) and has only improved its offerings. There's a lot to like about this card".

American Express Gold Rewards Card
American Express Gold Rewards Card
More Details

Favourite Rewards Credit Card - The American Express Gold Rewards Card

Our view:
  • The American Express Gold Rewards Card offers so much to cardholders. Banks in New Zealand are notoriously stingy with cashback and rewards, and this was before the 2022-2023 downgrade of rewards. American Express offers much better value when redeeming its Membership Reward points for travel benefits, such as business class flights and hotels.
  • Better yet, if you don't want cashback, American Express lets you use the points you earn to travel; cardholders can redeem points for vouchers at Bunnings, Countdown, Event Cinemas, Harvey Norman, New World, Westfield, Z Energy and other known retailers.
  • With $200 annual dining credits, free domestic and international travel insurance (when you use your card to book the flights), a one-off $200 statement credit on signing up and AMEX's protection for chargebacks, it's a leading rewards card that banks cannot compete with.

MoneyHub's editor Christopher Walsh says:
"We're big fans of the American Express Gold Rewards Card for many reasons. No other credit card offers so much flexibility and generosity, and as more major retailers take American Express, cardholders will compound their rewards and cashback without friction. The free travel insurance and annual dining credit are added perks to make this the ultimate rewards credit card for anyone who likes to dine out and travel locally or overseas".

American Express Airpoints Platinum
American Express Airpoints Platinum
More Details

Favourite Airline Credit Card - American Express Airpoints Platinum

Our view:
  • The American Express Airpoints Platinum is unique; $70 spent gives cardholders 1 Airpoints Dollar, whereas, with bank-issued platinum cards, you'll spend about double to get the same Airpoints Dollar. 
  • The card also offers lounge passes (four per year), a treat that bank-issued cards discontinued in 2022 and early 2023 as part of their 'enhancements'. 
  • The card is competitive for anyone needing to top up status points to renew Air NZ Gold or Gold Elite, providing a great tailwind to reach the 810/1350 point thresholds (assuming sufficient qualifying flights are taken).
  • Add in travel insurance benefits and a sign-up bonus, and it's easy to be convinced that the $195 annual fee offers a lot of value, given all the benefits and earning potential.

MoneyHub's editor Christopher Walsh says:
"Banks have scaled down what they offer regarding airline credit cards; we consider this the best Air New Zealand card on offer, bar none, for any of the 500,000+ New Zealanders with a 'platinum' card who are thinking about changing to something that rewards them significantly better".

Westpac Fee Free Mastercard
More Details

Leading Debit Card for Travel - Westpac Fee Free Mastercard

Our view:
Westpac's Fee-Free Mastercard stands out as a budget-friendly choice for those seeking a low-cost credit solution. Unlike many credit cards that add hefty charges, this card doesn't charge an annual fee, nor does it have foreign currency fees. When you're overseas or making purchases in different currencies online, you won't be burdened by the usual 2-3% foreign transaction fees that most cards impose.

Westpac also offers a low interest rate for purchases at 12.90% p.a., coupled with up to 55 days of interest-free purchases when you clear your balance on time. This makes it a popular choice for both everyday use and international travel.

MoneyHub's editor Christopher Walsh says:
"The Westpac Fee-Free Mastercard is a game-changer for those who are tired of excessive fees and high interest rates and want to travel with a credit card that is issued by a bank. It's particularly advantageous for travellers and online shoppers, with no foreign currency fees and a low interest rate. This card is worth considering for New Zealanders seeking a cost-effective and secure credit card option."

Wise Debit Card
Wise Debit Card
More Details

Favourite Travel Money Card - Wise Debit Card

Our view:
  • Wise's borderless debit card beats every bank-issued debit card with the lowest FX conversion charges. 
  • Right now, banks charge a good percentage (averaging around 2%) of your purchase price in 'overseas currency conversion' fees when using a debit card. This means if you spend NZ$100 overseas, most banks will charge you around $2 on top of that to spend your money. It is these fees that soon add up.
  • The Wise debit card offers a much better deal. For popular currencies such as AUD, GBP, USD and EUR, you'll pay around 0.50%. Additionally, you can withdraw up to NZ$350 free every 30 days from ATMs around the world free of charge.
  • Our popular video has been viewed thousands of times and is proof of the best-in-class product Wise offers.

MoneyHub's editor Christopher Walsh says:
"We do not know of a better debit card that offers cardholders so much for so little. New Zealanders are routinely charged too much in fees when paying in foreign currency, whether it be online or while travelling overseas. Wise delivers a solution that cuts the fees, gives you an app to track/block/review your card use, and has no ATM fees (within limits). It's a perfect card for anyone in New Zealand or looking for the ultimate travel money card without the fees, risk and inconvenience".

What are the Alternatives to a Travel Credit Card NZ

What are the Alternatives to a Travel Credit Card?

The most popular options are cash, travel money cards, debit cards and credit cards. Each method has its pros and cons: 
  1. Cash: Although it might appear the most straightforward approach, not everyone likes carrying substantial cash during their journey. The risk of losing it or becoming a target for theft and worrying about having a hotel with an in-room safe means only carrying emergency cash is often the best approach.
  2. Debit cards: Using a New Zealand-issued debit card overseas usually involves foreign currency conversion fees for cash withdrawal at overseas ATMs. However, the benefit is that you're spending your saved money and not getting into debt.
  3. Travel Money Cards: These cards allow you to secure a competitive exchange rate in advance and function similarly to debit cards. However, except for the Wise card, there are high fees and commissions associated with the legacy travel money cards, as our comparison outlines. 
  4. Regular credit cards: When you use a conventional credit card abroad, it can often entail additional charges (such as higher foreign exchange fees) and lack travel benefits, something you could bypass with a specialised travel credit card.
  5. Our view: While a travel credit card can be a sensible choice for managing your finances when travelling overseas, evaluating each option in light of your individual needs and circumstances is essential. Our shortlist of the best options published in this guide aims to give you some ideas about the best available cards and their unique benefits.

Important: Travel Money Cards vs Travel Credit Cards: How Do They Compare?

  • Travel money cards are like debit cards – you load the card/account with money before or during your time overseas. You can then lock in an FX rate by moving money to currency wallets (e.g. EUR, GBP and AUD) or leave it in NZD, whereby transactions will be converted at the exchange rate when you purchase.
  • Travel money cards work like debit cards and are designed to be convenient and cost-effective. However, our extensive research and comparison confirmed only Wise was in a class of its own regarding market FX rates and low fees.
  • Travel credit cards see you borrow against your limit, meaning you'll need to repay it in full when it falls due to avoid paying interest. 

Cash vs Cards in Countries Popular with New Zealand Visitors

Cash vs Cards in Countries Popular with New Zealand Visitors

As in New Zealand, more countries worldwide are embracing cashless transactions, further advanced after the pandemic. In many popular travel destinations for Kiwis, digital and card payments are now frequently used, sometimes even more than cash. Here's a quick overview of cashless payment acceptance in regions that New Zealanders often visit:

Asia
  • In countries like Singapore, Malaysia, Thailand, Vietnam, Cambodia, China, Hong Kong, Taiwan, Japan, and Korea, cashless payments are becoming increasingly popular, particularly in urban areas.
  • Smartphone apps and card payments are widely accepted, but in some rural or less-developed areas, it's worth noting that cash might still be necessary.
  • In China, for instance, mobile payments via apps like WeChat Pay and Alipay are common, although credit cards may not be universally accepted in more remote regions.
  • In regions such as Bali, Phuket, Ko Samui and other islands, cash is often the primary mode of transaction, especially outside major tourist areas. However, credit and debit cards are commonly accepted in larger establishments.
  • More information: Our guides to travel money in Japan and Bali, popular destinations for New Zealanders, explain your options.

Pacific Islands
  • In places like Fiji, Rarotonga, Samoa, and Tahiti, credit and debit card payments are generally accepted, especially in hotels, resorts, and larger retailers. However, it's always a good idea to have some local currency on hand for smaller vendors or more remote locations where card payment facilities might be limited.
  • More information: Our guides to travel money in Fiji and Rarotonga, popular destinations for New Zealanders, explain your options.

Europe
  • Countries like Spain, the UK, Greece, Germany, France, and Italy have widely adopted cashless payments, with cards and smartphone apps being the standard payment method in many places.
  • Similarly, Scandinavian countries like Finland and Sweden are some of the most cashless societies in the world.
  • More information: Our guides to travel money in Europe and the UK explain your options.

Americas
  • In the USA, Canada, Mexico, Argentina, and Brazil, card payments are very common. However, carrying some cash can be helpful for tips or smaller vendors.
  • More information: Our guides to travel money in the USA explains your options.

Middle East and South Asia
  • In countries like the UAE (Dubai), India, and Sri Lanka, card payments are common in urban and tourist-heavy areas. However, carrying cash for smaller transactions or in rural regions is useful.

North Africa
  • In Egypt and Morocco, card payments are typically accepted in major cities, tourist sites, and larger establishments such as hotels and upscale restaurants. However, cash remains an important mode of payment, particularly in rural areas, smaller towns, or when dealing with smaller businesses and street vendors.

Sub-Saharan Africa
  • In South Africa, card payments are widely accepted, particularly Visa and Mastercard. Larger establishments like hotels, restaurants, and shopping centres will readily accept card payments. However, carrying some cash for smaller vendors or when visiting less urban areas is advisable.
  • In other popular destinations for Kiwis, such as Kenya, Tanzania, or Botswana, the acceptance of card payments can vary. Major hotels, restaurants, and tour operators usually accept card payments, but it's recommended to have a supply of cash on hand, particularly for tips, local markets, and more remote regions.

Our view: While cashless transactions are becoming the norm, having a mix of payment options, including cash, can ensure you're covered in all situations.

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

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

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

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

The Best Travel Credit Cards Frequently Asked Questions NZ

Frequently Asked Questions

We publish common queries with helpful answers below - if you would like to know something we haven't covered below, please contact our research team.

What exchange rate do I get with a Travel credit card?

The FX rate will be the credit card issuer's rate when you complete the transaction. Our research into Visa vs Mastercard FX rates concluded that Mastercard offers better FX rates for credit and debit card transactions. The difference was around 1%, which makes a small but not insignificant difference to how much you spend on holiday.

Exchange rates are constantly changing; if you want to lock in a particularly favourable exchange rate and minimise fees, our guide to travel money cards has you covered.

Do I need to tell my bank or credit card issuer I'm overseas?

Yes – call their customer support or message their team on your bank's app before you travel to avoid your card being blocked. While bank technology has come a long way in recent years, you'll minimise the situation where your card gets blocked.

Should I use a travel credit card or withdraw cash when I travel overseas?

Withdrawing cash is often expensive and inconvenient, although having a safety amount (e.g. £200, US$250, AU$300, EUR250) is often useful should you get stuck. If you're unlikely to be able to pay off the entire balance of a credit card when it falls due, we suggest considering a travel money card which you can prepay to minimise growing an unaffordable debt while you're on holiday. As a point of reference, the Wise card offers up to NZ$350 fee-free ATM withdrawals (in whatever currencies you need) per calendar month, something unrivalled by any other travel money card and credit card etc.

Should I pay in local currency or accept the NZD rate on an ATM or merchant machine when I am overseas?

When you see 'Would you like to pay in NZD or (local currency)' pop up, paying in NZD will almost always have an outrageous margin attached (for example, 5%). This is a con and best avoided, but it's understandable if you get caught out once or twice, given it's confusing. The cheapest way to pay is always by transacting in the local currency – that way, your credit card, debit card or travel money card will convert using its standard fees. These will be lower than any markup charged by an ATM or payment machine.

Can my credit card get blocked when I'm spending money overseas?

Yes – we suggest telling your bank that you're going overseas. However, even if you have, it can still be blocked. Make sure your banking app is up to date, take note of the credit card issuer's phone number and always have a backup card just in case.

Are my purchases protected when I use a credit card?

Yes – if you have a dispute, you can raise a claim with the bank or credit card issuer should such a situation arise.

How can I ensure credit card security when overseas?

You must keep your credit card safe and not share the PIN with anyone. Any time you key in your pin, cover it with your hand.

What are the options for someone looking to earn frequent flyer perks but not overpay on a card fee?

We argue that American Express is the only credit card issuer interested in providing value-for-money when it comes to frequent flyer credit cards. Specifically:
  • For Air New Zealand, AMEX's popular Airpoints Platinum card earns close to twice the number of Airpoints Dollars for every $100 spent compared to any bank card. This makes it an unrivalled card, and even more so when you factor in all the travel benefits it offers. 
  • When it comes to other airlines, again, only AMEX offers a frequent flyer credit card that syncs with the programs of Qantas, Emirates, Qatar Airways, Singapore Airlines, Cathay Pacific and Malaysian Airlines. There are two cards - the Gold Rewards Card and, for serious spenders, the Platinum Charge Card. However, we argue that most New Zealanders will be more likely to consider the gold card (which we have extensively reviewed).

Related Guides:​
  • Air New Zealand Credit Cards
  • Emirates Credit Cards
  • Cathay Pacific Credit Cards
  • Qantas Credit Cards
  • Singapore Airlines Credit Cards
  • ​Best Rewards Credit Cards
  • Best AMEX Credit Cards
  • Travel Money Cards
  • ​Credit Cards that Earn Business Class Flights
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