Cashback Calculator
Calculate how much cashback you can earn with different credit cards based on your spending patterns
Calculate Your Potential Cashback
Monthly Spending Categories
$
$
$
$
$
Total Monthly Spending
$0
Total Monthly Spending
Your Cashback Comparison
| Credit Card | Monthly Cashback | Annual Cashback | Annual Fee | Net Benefit |
|---|
How Credit Card Cashback Works
Cashback Basics
- Earn a percentage of your spending back as cash
- Rates typically range from 0.5% to 2% in NZ
- Some cards offer higher rates for specific categories
- Cashback can be credited to your account or statement
Maximizing Cashback
- Use your card for all everyday purchases
- Pay bills and subscriptions with your card
- Choose cards with bonus categories you use most
- Always pay your balance in full to avoid interest
Top Cashback Credit Cards in NZ
Cashback Tips & Considerations
Important Considerations
- • Consider annual fees when calculating net cashback benefit
- • Some cards have minimum redemption amounts or caps
- • Interest charges will outweigh cashback benefits if you carry a balance
- • Check if cashback expires or has any restrictions
When Cashback Cards Make Sense
- ✓ You pay your balance in full every month
- ✓ Your spending exceeds the annual fee breakeven point
- ✓ You prefer simple, flexible rewards
- ✓ You don't want to track bonus categories
Alternatives to Consider
- • Airpoints cards for travel rewards
- • No-fee cards if spending is low
- • Rewards cards with bonus categories
- • Low-rate cards if you carry balances
Ready to Start Earning Cashback?
Compare all credit cards to find the best cashback option for your spending
Compare All Credit Cards