Best Credit Cards

Updated 12 August 2019

On this page, you will find a selection of what we consider the best credit cards available right now. While the cards on this page may change from time to time, we’ve tried to include a variety of different types of cards, with varying offers, features and rewards. Why? Finding the ‘best’ credit card is determined by each cardholder’s needs. What’s best for you may not be best for someone else. Which is why we’ve also included tips on how to find the best credit card for you.

Kiwibank Platinum Visa Credit Card

Kiwibank Platinum Visa Credit Card

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Westpac Low Rate Mastercard

Westpac Low Rate Mastercard

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Apply by 10 Sep 19

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American Express Low Rate Credit Card

American Express Low Rate Credit Card

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ASB Visa Light Credit Card

ASB Visa Light Credit Card

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Kiwibank Zero Credit Card

Kiwibank Zero Credit Card

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Kiwibank Low Rate Credit Card

Kiwibank Low Rate Credit Card

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Best Credit Card Offers

What makes an introductory offer great? That would be its ability to offer you something you need. While there are many different types of introductory offers, not all of them would best suit you. The best credit card offers are the ones that are most suitable to you.

Balance Transfer Offers

What is it? A balance transfer offer provides a lower rate on balances transferred over an introductory period.

What does it do? A balance transfer offer can help you save on interest, allowing you to pay off your balance faster, while potentially consolidating your credit card debt.

When would it be best for you? If you want to save on interest, if you want to pay off your credit card debt, if you want to consolidate a number of card debts, or if you want to switch to a more suitable card, a balance transfer offer could help.

0% Purchase Offers

What is it? A 0% purchase offer charges 0% p.a. on purchases over an introductory period.

What does it do? A 0% purchase offer allows you to pay no interest on all new purchases made during the intro period, allowing you to pay for items now and pay them off over time.

When would it be best for you? If you are planning a large purchase, such as a holiday, home renovations, or a television, or if you simply want to save on day-to-day spending, a 0% purchase offer could let you buy what you want, paying no interest as you pay it all back within the intro period.

Bonus Points Offers

What is it? A bonus points offer provides a chunk of bonus points, which can be saved up or spent within the card’s rewards programme.

What does it do? A bonus points offer gives you bonus points to redeem as you like, and are typically offered after meeting a minimum spend. Bonus points will usually increase depending on the class of the card, for example, a platinum card will typically offer more bonus points than a classic card.

When would it be best for you? If you have your eye on a particular reward, or if you simply want to boost your points total, a bonus points offer could help, while providing additional value to you as a cardholder.

No Annual Fee Offers

What is it? A no annual fee offer waives the card’s standard annual fee for the life of the card, for an introductory period, or after meeting a minimum spend.

What does it do? A no annual fee offer allows you to enjoy the various benefits the card has to offer, making rewards points in particular even more valuable.

When would it be best for you? If you want to try a card on for size to test out its suitability, if you want to take advantage of features or the opportunity to earn rewards for free, or you want to pay nothing in annual fees to enjoy access to credit, a no annual fee offer could work for you.

Best Credit Card Features

The best credit cards typically offer the features you need most. Here are some of the features you could find on your next credit card.

Rewards

One of the most popular features on credit cards today are rewards programmes. Allowing you to earn rewards on your card spending, the points you earn could let you travel to far-flung destinations, to indulge in some retail therapy, or save on everyday spending.

Airport Lounge Passes

Whether you travel frequently or you simply like to travel in style, having access to the airport lounge can provide a wonderful way to get away from the hustle and bustle of the airport. Take advantage of complimentary snacks and drinks, relax in comfort, and truly enjoy every minute of travel.

Complimentary Insurance

Credit card insurance can offer a wide range of cover on both travel and retail purchases. As long as you read the terms and conditions, it could help you save money on standalone insurance, while saving you the hassle of finding and comparing options.

Travel Extras

You will tend to find travel extras on higher end frequent flyer cards. These may include access to a personal concierge service, complimentary hotel stays, access to upgrades at partner hotels and much more.

Tips For Finding The Best Credit Card For You

Think About What You Need

Finding the best credit card for you means thinking about what you need from your card. That may involve saving money, or it may mean having access to handy travel features. Think about what you need – rather than what you want – and compare the options to find the best match.

Consider The Long Term

It’s easy to get swayed by enticing features and attractive offers, but unless you only want the card for a short time (for example, if you only want to use the card for its offer and then close the account) it’s best to think of its suitability in the long term.

Consider The Costs

The best credit card for you is the one that offers the most value, while remaining affordable. If you get good use out of your card’s features, if you make more back in rewards than you pay out in annual fees, that card offers good value. Pay attention to how much you will pay to keep the card and consider whether it’s worth it.

Ready to find the best credit card for you? Check out our selection of the best credit cards in New Zealand, to find the very best credit card for you.

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