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New Zealand Credit Cards Comparisons

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New Zealand Credit Cards Comparisons 2026

Updated at Mon, 22 Jun 2026

Best Balance Transfer Credit Cards

Balance transfer cards buy you time with 0% or low promo rates to consolidate debt and pay it down faster. Clear as much as possible before the promo ends to avoid reversion to the standard purchase rate.
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ASB Visa Platinum Rewards Credit Card

ASB Visa Platinum Rewards Credit Card

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The Co-operative Bank Fair Rate Credit Card

The Co-operative Bank Fair Rate Credit Card

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TSB Low Rate Mastercard

TSB Low Rate Mastercard

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Balance Transfer Offer0% p.a. for 6 months (no BT fee)0% p.a. for 6 months0% p.a. for 6 months
Purchase Rate20.95% p.a.12.95% p.a.11.95% p.a.
Annual FeeNZ$80 per annumNZ$20 half-yearlyNZ$20 per annum
NotesRewards + BT promo; plan repayments inside the promo window.Low ongoing rate and transparent fees.Among New Zealand’s lowest ongoing purchase rates.
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Westpac Fee Free Mastercard

Westpac Fee Free Mastercard

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Kiwibank Zero Visa Credit Card

Kiwibank Zero Visa Credit Card

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Balance Transfer Offer5.95% p.a. for life of the balance1.99% p.a. for 6 months
Purchase Rate12.90% p.a.12.90% p.a.
Annual FeeNZ$0NZ$0
NotesNo annual fee + 0% FX; stable low BT rate.Simple, fee-free option.