How do credit cards work?

Credit cards allow you to borrow money for purchases and pay it back later. Most NZ credit cards offer 44-55 days interest-free on purchases if you pay your balance in full.

What is credit card interest?

Credit card interest is calculated daily and charged monthly on unpaid balances. The daily rate is your annual interest rate divided by 365.

Credit Card Guides

Expert advice and comprehensive guides to help you make informed decisions about credit cards.

💳 Basics 5 min read

How Credit Cards Work

Learn about the key factors to consider when selecting a credit card that matches your needs and lifestyle.

📊 Finance 7 min read

Understanding Credit Card Interest

A comprehensive guide to credit card interest calculations, rates, and how to minimize interest charges.

💰 Finance 6 min read

Balance Transfer Cards Explained

Everything you need to know about balance transfer credit cards and how they can help manage your debt.

🎁 Rewards 8 min read

Best Rewards Credit Cards NZ

Compare the top rewards credit cards and maximize your benefits with our expert analysis.

✈️ Travel 7 min read

Travel Credit Cards Guide

Find the best travel credit cards with airport lounge access, travel insurance, and rewards.

💼 Business 6 min read

Business Credit Cards

Compare business credit cards and learn how to manage company expenses effectively.