Compare Credit Cards
Make informed decisions with New Zealand's most comprehensive credit card comparison tool. Compare rates, rewards, fees, and benefits side by side.
How Our Comparison Tool Works
Our intelligent comparison system analyzes your spending habits and preferences to recommend the best credit cards for your unique situation.
Tell Us Your Needs
Share your spending habits, preferred rewards type, and financial goals. This helps us understand what matters most to you.
Smart Algorithm Analysis
Our system analyzes hundreds of factors including interest rates, annual fees, rewards programs, and eligibility requirements.
Get Personalized Results
Receive ranked recommendations with detailed breakdowns showing exactly why each card suits your needs and spending patterns.
Find Your Perfect Credit Card
Answer a few questions and get personalized recommendations in under 2 minutes.
What We Compare
Our comprehensive analysis covers every aspect of credit cards that matters to New Zealand consumers.
Interest Rates
Purchase rates, cash advance rates, and promotional periods
Fees & Costs
Annual fees, foreign exchange fees, and other charges
Rewards Programs
Earn rates, redemption options, and program flexibility
Benefits & Perks
Insurance, concierge services, and exclusive offers
Eligibility
Income requirements, credit score needs, and approval odds
Bank Services
Online banking, mobile apps, and customer service quality
Security Features
Fraud protection, card controls, and security alerts
Digital Features
Contactless payments, digital wallets, and mobile features
Smart Comparison Tips
Get the most out of our comparison tool with these expert recommendations.
Before You Compare
- ✓ Track your spending: Review 2-3 months of expenses to understand your patterns
- ✓ Know your credit score: This affects approval odds and interest rates
- ✓ Set clear goals: Decide if you want rewards, low rates, or specific benefits
- ✓ Consider timing: Plan applications around major purchases for bonuses
What to Focus On
- ✓ Total cost of ownership: Include annual fees, interest, and other charges
- ✓ Realistic rewards value: Calculate based on your actual redemption preferences
- ✓ Long-term fit: Consider how the card works as your spending changes
- ✓ Bank relationship: Factor in your existing banking preferences
Pro Tip: The 50% Rule
For cards with annual fees, ensure your expected rewards value exceeds the fee by at least 50%. This accounts for opportunity cost and ensures meaningful benefit. For example, a $150 annual fee card should generate at least $225 in rewards value annually.
Why Use Our Comparison Tool?
Get unbiased, comprehensive analysis designed specifically for New Zealand consumers.
Completely Independent
We don't favor any particular bank or card. Our recommendations are based purely on which cards offer the best value for your specific needs.
Data-Driven Analysis
Our algorithms analyze real card terms, current promotions, and market conditions to provide accurate, up-to-date comparisons.
Personalized Results
Unlike generic comparison sites, we tailor recommendations to your spending patterns, income level, and reward preferences.
Trusted by 50,000+ New Zealanders
4.9/5
Average Rating
95%
Success Rate
$2.1M
Total Savings