Looking for the best credit cards with the lowest fees, best rewards, and exclusive benefits in New Zealand? We've analyzed 5 Credit Cards from top banks operating in New Zealand to help you find the perfect match for your needs.
Whether you're an expat, a local resident, or a business professional, this guide covers everything from annual fees and interest rates to rewards programs and eligibility requirements. All data is sourced directly from bank product listings and updated regularly.
Top 5 Credit Cards in New Zealand (2026)
1. ANZ NZ Visa Platinum
Bank: ANZ New Zealand
- Annual Fee: Contact bank
- Minimum Salary: Not specified
- Interest Rate: 1.67% per month
- Key Benefits: Lounge Access, Travel Benefits, Travel Insurance, Dinning Benefits, Shopping Discounts, Digital Wallet
The ANZ Airpoints Visa Platinum is a premium travel rewards credit card designed for individuals who want to earn Airpoints Dollars on their everyday spending with no earning limit. Cardholders benefi...
2. ANZ NZ Cashback Visa
Bank: ANZ New Zealand
- Annual Fee: Contact bank
- Minimum Salary: Not specified
- Interest Rate: 1.67% per month
- Key Benefits: Chip/Pin, Supplementary Cards, Shopping Discounts, Digital Wallet, Purchase Protection, Cash Back
Cashback card earning up to 1% automatic cashback on all purchases, no points to track.
3. ANZ NZ Low Rate MC
Bank: ANZ New Zealand
- Annual Fee: Contact bank
- Minimum Salary: Not specified
- Interest Rate: 1.67% per month
- Key Benefits: Chip/Pin, Supplementary Cards, Shopping Discounts, Digital Wallet, Purchase Protection, Cash Back
Low interest card at 13.90% p.a. with purchase protection and worldwide acceptance.
4. ASB Visa Platinum
Bank: ASB Bank
- Annual Fee: NZD 80 per year
- Minimum Salary: Not specified
- Interest Rate: 19.95% p.a.
- Key Benefits: Internet Banking, Contactless Payments
The ASB Visa Platinum Rewards is the highest-earning rewards credit card from ASB Bank New Zealand, with an NZD 80 annual fee, 19.95% p.a. purchase interest rate, and overseas travel insurance. Cardho...
5. ASB True Rewards Visa
Bank: ASB Bank
- Annual Fee: NZD 40 per year
- Minimum Salary: Not specified
- Interest Rate: 20.95% p.a.
- Key Benefits: Internet Banking, Contactless Payments
The ASB Visa Rewards card from ASB Bank New Zealand offers everyday rewards earning at NZD 40 annual fee with a 20.95% p.a. purchase interest rate and up to 55 interest-free days. Cardholders earn 1 T...
How to Choose the Right Card
When comparing Credit Cards in New Zealand, consider these factors:
- Annual Fee: Some cards offer zero annual fees, while premium cards with lounge access and travel insurance may charge higher fees but offer greater value.
- Minimum Salary: Each bank has different eligibility requirements. Cards with lower salary requirements are easier to qualify for.
- Rewards & Cashback: Look for cards that match your spending habits — dining, travel, shopping, or fuel.
- Interest Rate: If you plan to carry a balance, compare the monthly interest rates carefully.
Compare All Credit Cards in New Zealand
Want to see all available options? Compare all Credit Cards in New Zealand →
Last updated: April 2026. All information is for comparison purposes only. Please verify details directly with the bank before applying.
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