COMPATIBILITY MODE

It looks like you are running Internet Explorer in compatibility mode, please turn this off to benefit from all functionality on this website.

To do this, click the blue broken page icon in your browser address bar (example below).

compatability mode

JAVASCRIPT DISABLED

It looks like you aren't running java, please turn this on to get the best user experience

LOW RATE CARDS

Quite simply a credit card that could reduce the amount of interest you pay each month. So if you're an extended credit taker who doesn’t mind carrying a balance, or someone who needs a bit more time to settle the balance in full, then a Low Rate credit card is a great option.

By making regular payments towards the balance at a lower rate of interest will allow you to clear the balance much quicker compared with other normal rate cards. Credit card providers will usually only accept applicants with an excellent credit rating.

If you know your credit rating, select it by hovering your mouse over the panel to the right and clicking on the appropriate rating. If you don’t know your credit rating, click the button to calculate it for free. This will match up your rating with lender appetite to give you the best chance of success with your application.

shadow

The American Express Platinum Edge Credit Card - 2.99% - 19.95% p.a. (VARIABLE)

APPLY TODAY
Find out more & apply online now
  • Bank online, no branch banking
  • $149 annual fee
  • 2.99% p.a. introductory rate for six months
  • Excellent reward scheme

The American Express Platinum Edge is one of the best cards available for earning points. There is an annual fee of $149 and you will be automatically enrolled into the rewards programme upon account opening. You can earn 3 Membership Rewards points for every dollar spent at major supermarkets, 2 points for every dollar spent at major petrol stations and a further point for every other dollar spent. Points can be redeemed for various gift cards, or you can choose to turn your points into a credit balance on your card. For added flexibility you can even turn your points into Air New Zealand Dollars or to any of their seven airline partner reward programmes. Although the annual account fee is higher than most, the reward scheme on offer is second to none.

shadow

BNZ Low Rate MasterCard - 13.45% p.a. (VARIABLE)

APPLY TODAY
Find out more & apply online now
  • Bank in branch or using the internet
  • $5 monthly account fee
  • 0% for 12 months on balance transfers
  • No cashback or rewards offered

The Low Rate MasterCard boasts a competitive interest rate of only 13.45% p.a. Existing customer's who have their main income paid into a BNZ transaction account will also receive a balance transfer rate of 0% for the first 12 months upon account opening. If you're not an existing BNZ transaction account holder, BNZ will still offer a balance transfer option but at an increased rate of 4.99%. Unlike most credit cards in New Zealand, the Low Rate MasterCard's account fee is charged on a monthly basis at $5. Successful applicants will receive a minimum credit limit of $500.

shadow

ANZ low rate MasterCard - 13.9% p.a. (VARIABLE)

APPLY TODAY
Find out more & apply online now
  • Bank in branch or using the internet
  • $17.5 charged every 6 months
  • 1.99% balance transfer offer for 12 months
  • No rewards offered

For the $35 annual fee (charged $17.50 half yearly) you will be able to take advantage of an introductory 1.99% balance transfer rate, paying no interest on transferred balances from all non-ANZ cards for the first 12 months. After this period the interest rate reverts back to a still reasonable 13.90% p.a. Although the card offers no rewards or incentives, it could help you to reduce the amount of interest you may be paying each month. The ANZ Low Rate MasterCard has previously been awarded the prestigious five-star rating for Outstanding Value 'Credit Cards' in the 2013 CANSTAR star ratings report.

shadow

Kiwibank Airpoints Low Fee MasterCard - 16.9% p.a. (VARIABLE)

APPLY TODAY
Find out more & apply online now
  • Bank in branch or using the internet
  • $12.50 charged every 6 months
  • Earn Airpoints Dollars
  • Airpoints Dollars will never expire

At only $25 per annum ($12.50 charged half yearly), the New Zealand Airpoints Low Fee MasterCard has the lowest annual account fee of any of the Airpoints credit cards available. For every $160 spent on eligible purchases you will earn 1 Airpoints Dollar and a further point for every $140 spent on Air New Zealand products. Points can be used for hotel stays, rental car bookings or shopping in the Airpoints store. The reward scheme is free and the points earned never expire as long as you hold a current card.

shadow

Kiwibank MasterCard Gold - 17.9% p.a. (VARIABLE)

APPLY TODAY
Find out more & apply online now
  • Bank in branch or using the internet
  • $40 charged every 6 months
  • 0% for 12 months on balance transfers
  • Complimentary overseas travel insurance

Successful applicants will receive a minimum $5,000 credit limit which can be increased upon request. You will also receive complimentary overseas travel insurance for both you and your immediate family if purchasing travel or accommodation using the card. As like all KiwiBank credit cards on offer, you will pay 0% p.a. interest on any transferred balances for the first 12 months. After this period the rate will return to the purchase rate of 17.9% p.a. which is still competitive considering the Gold card status.

shadow

ANZ Rewards Platinum - 18.79% p.a. (VARIABLE)

APPLY TODAY
Find out more & apply online now
  • Bank in branch or using the internet
  • $95 annual fee
  • Access to a host of rewards
  • No balance transfer offer

The ANZ Reward Platinum credit card comes with two card options. With added flexibility and greater rewards on offer, cardholders will be able to benefit from using either the Visa or American Express card option. By using the Rewards Platinum credit card for everyday purchases, you could have access to a range of useful benefits including: overseas travel and medical insurance and also receive Purchase Security Insurance and Extended Warranty. Not only that, the ANZ Rewards Platinum card boasts a selection of rewards including travel options, entertainment, gift cards, shopping vouchers, merchandise and much more. Earn 50,000 Reward Points when you spend $3000 on purchases within the first 3 months.

shadow

ASB Visa Platinum with rewards - 19.95% p.a. (VARIABLE)

APPLY TODAY
Find out more & apply online now
  • Bank in branch or using the internet
  • $80 annual fee
  • 24-hour concierge service
  • Complimentary 120 day travel insurance

ASB's premium rated credit card is the Visa Platinum with Rewards card. Not only will you receive a purchase interest rate of 19.95% p.a but you will also enjoy a minimum credit limit of $10,000 with the option to increase this upon application. Complimentary 120 day Platinum Card Travel Insurance also comes as standard. What sets this card apart from other platinum credit card offerings is the 24-hour concierge service. You will be able to benefit from a complimentary information and booking service from anywhere in the world.

shadow

The Air New Zealand American Express Platinum - 19.95% p.a. (VARIABLE)

APPLY TODAY
Find out more & apply online now
  • Bank online, no branch banking
  • Annual fee of $195
  • Earn 1 Air New Zealand Airpoints Dollar for every $59 spent
  • Complimentary domestic and international travel insurance

A card tailored for Air New Zealand Airpoints members. This card has one of the highest point earning rates of any of the Air New Zealand partners, with 1 point being earned for every $75 spent. The ongoing annual account fee of $195 is quite high, but for frequent flyers this could soon pay for itself. You will receive a host of travel extras including 2 complimentary passes per year into VIP lounges including the Emperor Lounge at Auckland International Airport, Complimentary Domestic and International Travel Insurance and Overseas Medical Emergency Expenses Cover for added peace of mind when travelling.

shadow

Warehouse Money Visa Card - 19.95% p.a. (VARIABLE)

APPLY TODAY
Find out more & apply online now
  • Bank online, no branch banking
  • No annual fees
  • 19.95% APR
  • 5% off your shopping at The Warehouse

Although the Warehouse Money Visa Card does not have the lowest interest rates, it does come with no annual fees and an added bonus of 5% off your shopping at The Warehouse, which is great for helping with your everyday essentials. Your account can be easily managed through internet and telephone banking.

shadow

ANZ cashback card - 20.95% p.a. (VARIABLE)

APPLY TODAY
Find out more & apply online now
  • Bank in branch or using the internet
  • $60 annual fee
  • No balance transfer offer
  • 0.5-1% cashback on eligible purchases

For the $60 annual fee, cardholders will benefit from 55 days interest free credit on all purchases and will pay 0% on balance transfers for the first 12 months. You will earn 1 CashBack point for every dollar spent on eligible purchases on the first $30,000 per CashBack year. The CashBack reward is calculated with two earning tiers in place - 0.5% for Annual Spend $5,000-$9,999; 1% for Annual Spend $10,000-$30,000. To benefit from the cashback rewards on offer, you will need to spend at least $5,000 per year to qualify. All ANZ customers will benefit from its flexible payment options - pay via online or phone banking 24/7, set up an automatic or direct debit payment, pay at any ANZ ATM or visit them in branch.

shadow

ASB Visa - 20.95% p.a. (VARIABLE)

APPLY TODAY
Find out more & apply online now
  • Bank in branch or using the internet
  • $12 charged every 6 months
  • 0% p.a. for 6 months on balance transfers
  • Visa Entertainment rewards

A cost effective card for everyday use. Although regarded as one of the more basic credit cards available, the ASB Visa does give you access to concert pre-sales, exclusive offers and competitions as part of the Visa Entertainment programme. Credit Card Repayment Insurance can be included at an extra cost, but as standard you will benefit from up to 55 days interest free on any purchases made and will be accepted at over 32 million locations worldwide.

shadow

BNZ Classic - 20.95% p.a. (VARIABLE)

APPLY TODAY
Find out more & apply online now
  • Bank in branch or using the internet
  • $20 charged every 6 months
  • 0% for 12 months on balance transfers
  • Collect Fly Buys Points

An everyday credit card that rewards you for spending. For a very reasonable account fee of $40 ($20 charged half yearly) the card certainly doesn't disappoint. You will collect points for using your card, earning one Fly Buys point for every $40 spent. It's free to join the Fly Buys reward scheme and you can redeem your points online with over 1,500 products to choose from. Existing transaction account holders can also benefit from paying no interest on balance transfers for the first year. If you don't have an account with BNZ, then you will still be able to transfer a credit card balance, but at an interest rate of 4.99% for 12 months.

shadow

Kiwibank Airpoints Standard MasterCard - 20.95% p.a. (VARIABLE)

APPLY TODAY
Find out more & apply online now
  • Bank in branch or using the internet
  • $32.50 charged every 6 months
  • Free signup to membership reward scheme
  • Earn Air New Zealand Airpoints Dollars

One Airpoints Dollar can be earned for every $120 spent on eligible purchases, with a further point being earned when spending over $100 on Air New Zealand products bought directly from Air New Zealand. It's free to become an Airpoints member and you'll be enrolled once your application has been approved. Use your Airpoints Dollars for hotel stays, rental car discounts or shopping in the Airpoints store. For $65 a year, this is definitely a card to consider with an easy reward redemption process that also gives you the flexibility on how to spend your Airpoints.

shadow

Westpac Hotpoints MasterCard - 20.95% p.a. (VARIABLE)

APPLY TODAY
Find out more & apply online now
  • Bank in branch or using the internet
  • $44 annual fee
  • Earn hotpoints rewards
  • Balance transfer available

With an annual fee of only $44 this is Westpac's lowest annual fee card. You will earn hotpoints on every dollar you spend which can be redeemed in a number of ways. Points can be used for retail vouchers, merchandise or you can even choose to donate to charity. One of the biggest draws to the card is its Holiday Credits option. You will be able to purchase any flight with any airline using your hotpoints credit card, which you can then use your accumulated hotpoints to help pay it back later.

shadow

Westpac Platinum MasterCard - 20.95% p.a. (VARIABLE)

APPLY TODAY
Find out more & apply online now
  • Bank in branch or using the internet
  • $62.50 charged every 6 months
  • Earn hotpoints on every dollar you spend
  • Balance transfer available

Earn rewards for using your Westpac Platinum MasterCard on your daily transactions. Two points can be earned for every dollar spent. Along with being able to redeem these points for retail vouchers and merchandise, you will also be able to use them for discounted travel with Holiday Credits. Up to 35 days travel insurance comes as standard when purchasing a holiday using your Platinum credit card. Big ticket purchases would also be covered with Westpac's Purchase Protection Insurance and extended warranty for a further 12 months.

shadow

To Top