Compare 38 NZ credit cards

Side-by-side mechanical comparison across 14 issuers. Filter by issuer, network, annual fee, foreign-transaction fee, or rewards mechanic; sort by any column. Every figure is sourced from each issuer's published Conditions of Use — no rankings, no rating fabrication.

Snapshot generated 21 May 2026. 26 of 38 cards have a verbatim T&C ingested.

Issuer

Network

Rewards mechanic

Max annual fee

No foreign-transaction fee

38 cards

Card ↕	Network	Annual fee ↕	Purchase APR ↕	Cash APR ↕	IFD ↕	FX fee ↕	Rewards	T&C

How to read this table

IFD = interest-free days on purchases when paid in full by the due date.
The T&C column shows whether the card's Conditions of Use have been ingested into our data pipeline. ✓ = verbatim T&C source-tier A (per-card review page links the source PDF).
Click any column header to sort. Click again to reverse.
This table is mechanical: no rankings, no "best for X" superlatives, no fabricated savings claims. For verbatim T&C clauses, per-card facts, dispute rights, and rewards mechanic detail, click the review link in each row.

Approval, credit limit, and pricing are determined by each issuer under CCCFA and the Responsible Lending Code. This page is informational only — not financial advice.