Personal Credit Cards

Credit cards don’t need to be complicated, we’ve broken down all the details. Pick which features are the most important to you.

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SBS Bank
56392
SBS Visa Credit Card
Purchase Rate (p.a.)

18.50%

Balance Transfer

-

Interest Free Days

Up to 55 days

You'll earn $1 for every $150 spent on Eligible Transactions

Interest Rate Cash Advance (p.a.)21.50%

Additional Card Fee/Joint Account-

Minimum Credit Limit-

Foreign Currency Purchases-

Overseas Travel Insurance-

Payment Type-

Other-

More Info
American Express
56393
The American Express Airpoints Platinum Card
Purchase Rate (p.a.)

19.95%

Balance Transfer

-

Interest Free Days

Up to 55 days

Every $59 you spend = 1 Airpoints Dollar. $250 spend = 1 Status Point. Gifted 200 Bonus Airpoints Dollars

Promotion Details

200 Bonus Airpoints Dollars. Available to new Card Members only

Interest Rate Cash Advance (p.a.)21.95%

Additional Card Fee/Joint AccountFree

Minimum Credit Limit-

Foreign Currency Purchases2.50% of transaction amount

Overseas Travel InsuranceBuilt-in Travel Insurance

Payment Type-

OtherComplimentary Smartphone Screen Insurance

More Info
ASB Bank
56394
ASB Visa Platinum Rewards
Purchase Rate (p.a.)

19.95%

Balance Transfer

0% for 6 months

Interest Free Days

Up to 55 days

True Rewards: $100 = TR$1 or AA Smartfuel: $50 = 1c off per/L

Interest Rate Cash Advance (p.a.)22.95%

Additional Card Fee/Joint Account$15 per card, every 6 months

Minimum Credit Limit$8,000

Foreign Currency PurchasesFor overseas transactions made using your ASB Visa card Offshore Service Margins of 2.10% of the New Zealand dollar amount of the transaction are charged.

Overseas Travel InsuranceBuilt-in Travel Insurance

Payment Type-

Other-

More Info
Warehouse Money
56395
Warehouse Money Visa
Purchase Rate (p.a.)

19.95%

Balance Transfer

-

Interest Free Days

Up to 55

5% off your shopping at The Warehouse

Interest Rate Cash Advance (p.a.)22.95%

Additional Card Fee/Joint Account$0.00

Minimum Credit Limit-

Foreign Currency Purchases2.00% of transaction

Overseas Travel Insurance-

Payment Type-

Other-

More Info
ANZ Bank
56396
ANZ Airpoints Visa
Purchase Rate (p.a.)

19.95%

Balance Transfer

1.99% p.a.

Interest Free Days

Up to 44 days

1 Airpoints Dollar for every $120 spent on eligible purchases. Gift of $50 Airpoints Dollars

Interest Rate Cash Advance (p.a.)19.95%

Additional Card Fee/Joint Account$10 p.a. (charged $5 half yearly)

Minimum Credit Limit-

Foreign Currency Purchases-

Overseas Travel Insurance-

Payment TypeApple Pay & Google Pay

Other-

More Info
ANZ Bank
56397
ANZ Airpoints Visa Platinum
Purchase Rate (p.a.)

19.95%

Balance Transfer

1.99% p.a.

Interest Free Days

Up to 44 days

Earn 1 Airpoints Dollar for every $75 you spend on eligible purchases. Gift of $200 Airpoints Dollars

Promotion Details

Pay 1.99% p.a. on balances transferred for the first two years

Interest Rate Cash Advance (p.a.)19.95%

Additional Card Fee/Joint Account$10 p.a. (charged $5 half yearly)

Minimum Credit Limit-

Foreign Currency PurchasesNo commission when you buy foreign currency from any ANZ Branch in New Zealand

Overseas Travel InsuranceUp to 90 days

Payment TypeApple Pay & Google Pay

Other-

More Info
ANZ Bank
56398
ANZ Cashback Visa
Purchase Rate (p.a.)

19.95%

Balance Transfer

1.99% p.a.

Interest Free Days

Up to 55 days

1 CashBack point per $1 spent on eligible purchases, on the first $30,000 per CashBack year

  • Spend $5,000 to $9,999 per CashBack year and get 0.5% of your spend back.
  • Spend up to $30,000 per CashBack year and get 1% of your spend back (minimum spend to qualify is $5,000 per CashBack year)

Interest Rate Cash Advance (p.a.)19.95%

Additional Card Fee/Joint Account$10 p.a. (charged once yearly)

Minimum Credit Limit$5,000

Foreign Currency Purchases-

Overseas Travel Insurance-

Payment TypeApple Pay & Google Pay

Other-

More Info
ANZ Bank
56399
ANZ Cashback Visa Platinum
Purchase Rate (p.a.)

19.95%

Balance Transfer

1.99% p.a.

Interest Free Days

Up to 55 days

1 CashBack point per $1 spent on eligible purchases1 per CashBack year

  • Spend $5,000 to $9,999 per CashBack year and get 0.5% of your spend back
  • Spend $10,000+ per CashBack year and get 1% of your spend back with no limit on the cash back you can earn (minimum spend to qualify is $5,000 per CashBack year)

Interest Rate Cash Advance (p.a.)19.95%

Additional Card Fee/Joint Account$10 p.a. (charged $5 half yearly)

Minimum Credit Limit$5,000

Foreign Currency Purchases0% commission on foreign cash purchases from any ANZ branch in New Zealand

Overseas Travel InsuranceUse your card to pay for at least half your pre-paid travel expenses and you'll get Overseas Travel Insurance for your trip.

Payment TypeApple Pay & Google Pay

Other-

More Info
ASB Bank
56400
ASB Visa Rewards
Purchase Rate (p.a.)

20.95%

Balance Transfer

0% p.a. for 6 months

Interest Free Days

Up to 55 days

True Rewards: $150 = TR$1 or AA Smartfuel: $75 = 1c off per/L

Interest Rate Cash Advance (p.a.)22.95%

Additional Card Fee/Joint Account$6 per card, every 6 months

Minimum Credit Limit$500

Foreign Currency Purchases-

Overseas Travel Insurance-

Payment TypeApple Pay & Google Pay

Other-

More Info
Bank of New Zealand
56401
BNZ Advantage Classic
Purchase Rate (p.a.)

20.95%

Balance Transfer

0% p.a. for 6 months

Interest Free Days

Up to 55 days

Choose your rewards - Fly Buys points or Cash Rewards. $40 spend = 1 Fly Buys point or $150 spend = $1 Cash Reward

Interest Rate Cash Advance (p.a.)22.95%

Additional Card Fee/Joint Account$6 half-yearly

Minimum Credit Limit$500

Foreign Currency Purchases-

Overseas Travel Insurance-

Payment TypeApple Pay & Google Pay

Other-

More Info
Kiwibank
56402
Kiwibank Air New Zealand Airpoints Platinum Visa
Purchase Rate (p.a.)

20.95%

Balance Transfer

1.99% p.a. for 6 months from a non-Kiwibank credit card

Interest Free Days

Up to 44 days

1 Airpoints Dollar for every $75 of eligible spend. Earn one Status Point for every $200 of eligible spend.

Interest Rate Cash Advance (p.a.)22.95%

Additional Card Fee/Joint Account$15 per card every six months.

Minimum Credit Limit$8,000

Foreign Currency Purchases1.85% of the New Zealand dollar amount once converted.

Overseas Travel InsuranceBuilt-in Travel Insurace

Payment Type-

OtherTwo complimentary single entry Lounge eVouchers each year when you spend $30,000

More Info
Kiwibank
56403
Kiwibank Air New Zealand Airpoints Standard Visa
Purchase Rate (p.a.)

20.95%

Balance Transfer

1.99% p.a. for 6 months from a non-Kiwibank credit card

Interest Free Days

Up to 44 days

1 Airpoints Dollar for every $120 of eligible spend

Interest Rate Cash Advance (p.a.)22.95%

Additional Card Fee/Joint Account$10 per card every six months

Minimum Credit Limit$1,000

Foreign Currency Purchases1.85% of the New Zealand dollar amount once converted.

Overseas Travel Insurance-

Payment Type-

OtherTwo complimentary single entry Lounge eVouchers each year when you spend $30,000

More Info
Westpac
56404
Westpac Airpoints Mastercard
Purchase Rate (p.a.)

20.95%

Balance Transfer

5.95% p.a.

Interest Free Days

Up to 55 days

Earn one Airpoints Dollar for every NZD$120 spent on the card

Promotion Details

$0 Annual Fee for 2 years on a new Westpac Airpoints Mastercard

Interest Rate Cash Advance (p.a.)22.95%

Additional Card Fee/Joint Account$15 per year

Minimum Credit Limit$500

Foreign Currency Purchases1.4% of transaction amount

Overseas Travel Insurance-

Payment Type-

Other-

More Info
Westpac
56405
Westpac hotpoints MasterCard
Purchase Rate (p.a.)

20.95%

Balance Transfer

5.95% p.a. for the life of the balance transferred

Interest Free Days

Up to 55 days

Earn 1 hotpoint for every $1 spent on your card

Promotion Details

$0 Annual Fee for 2 years on a new hotpoints Mastercard

Interest Rate Cash Advance (p.a.)22.95%

Additional Card Fee/Joint Account$15 per year

Minimum Credit Limit$500

Foreign Currency PurchasesPay no international transaction fee

Overseas Travel Insurance-

Payment Type-

Other-

More Info
Westpac
56406
Westpac hotpoints Platinum MasterCard
Purchase Rate (p.a.)

20.95%

Balance Transfer

5.95% p.a

Interest Free Days

Up to 55 days

Earn 2 hotpoints for every $1 spent on your card.

  • Purchase Protection insurance cover and extended warranty insurance for your purchases

Promotion Details

$0 Annual Fee for 2 years on a new hotpoints Platinum Mastercard

Interest Rate Cash Advance (p.a.)22.95%

Additional Card Fee/Joint Account$25 per year

Minimum Credit Limit$10,000

Foreign Currency Purchases1.4% of transaction amount

Overseas Travel InsuranceUp to 35 days

Payment Type-

Other-

More Info
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