Find Your Perfect Credit Card
Compare rates, rewards, and features from all major New Zealand banks. Make informed decisions with our expert analysis and comprehensive comparison tools.
🧮 Cost Calculator: Find Your Perfect Credit Card
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Top Credit Cards NZ 2025 - Detailed Comparison
Expert rankings based on features, rates, and value
| Credit Card | Annual Fee | Interest Rate | Foreign Fee | Features | Rating | Details |
|---|---|---|---|---|---|---|
1  ASB Visa LightASB Low interest | FREE | 12.95% | 2.5% | 📱 💳 🔒 | 4.5 | Details |
2  ANZ Rewards PlusANZ Rewards earning | $125 | 20.95% | 2.2% | 🎁 ✈️ 📱 | 4.2 | Details |
3 Westpac Airpoints PlatinumWestpac Travel benefits | $145 | 19.95% | FREE | 🛫 🛋️ ✈️ | 4.1 | Details |
Kiwibank Low RateKiwibank Low fees | $30 | 13.95% | 2.8% | 💳 📞 🔒 | 4 | Details |
* Rates and conditions may change. Visit the provider's website for current information.
Find Your Perfect Credit Card
Compare Credit Cards Side by Side
Find the perfect card by comparing features, rates, and benefits.
Top Credit Card Offers
ANZ
Rewards Plus
- 55 days interest free
- Earn rewards points on purchases
- Complimentary travel insurance
Interest Rate
20.95%
Annual Fee
$125
ASB
Low Rate Visa
- Low interest rate
- Up to 55 days interest free
- No rewards program
Interest Rate
12.95%
Annual Fee
$40
Westpac
Airpoints Platinum
- Earn Airpoints Dollars
- Overseas travel insurance
- Airport lounge access
Interest Rate
19.95%
Annual Fee
$145
Credit Card Calculators
Calculate potential savings and rewards earnings.
Interest Calculator
Credit Card Interest Calculator
Results
Time to Pay Off
12 months
Total Interest
$103
Tips
- • Paying more than the minimum payment saves interest
- • Consider a balance transfer to save on interest
- • Pay full balance to avoid interest charges
Rewards Calculator
Rewards Calculator
Annual Rewards Value
Total Rewards
$240
Net Rewards
$90
Effective Rate
0.38%
Tips
- • Higher spend justifies higher annual fees
- • Consider bonus point offers
- • Check point redemption values
What Our Users Say
Join thousands of Kiwis who've found their perfect credit card match
Business Owner
Auckland
The detailed comparison helped me choose ASB Visa Flex - the 9.95% rate saves my business significantly on financing costs.
Travel Enthusiast
Wellington
Found the Flight Centre Mastercard through this site - no foreign fees has already saved me hundreds on overseas trips.
First Home Buyer
Christchurch
The cost calculator showed me exactly how much I'd save by switching from my old 19.95% card to a low-rate option.
Trusted by New Zealand
Professional credit card comparison and expert analysis
Frequently Asked Questions
Get answers to common credit card questions.
Frequently Asked Questions
Consider your spending habits, income, and financial goals. Rewards cards are great for frequent spenders who pay in full, while low-rate cards suit those who carry balances. Use our comparison tool to find your perfect match.
Credit score requirements vary by card type. Basic cards typically require scores of 600+, while premium cards may need 700+. Student and secured cards are available for those with lower scores.
Rewards can be valuable if you pay your balance in full and spend enough to offset any annual fees. Use our rewards calculator to determine potential earnings and compare against card costs.
Interest is calculated daily and charged monthly on unpaid balances. Most cards offer 44-55 days interest-free on purchases if you pay in full. Use our interest calculator to understand potential charges.