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New Zealand Credit Cards Comparisons

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New Zealand Credit Cards Comparisons 2026

Updated at Mon, 20 Jul 2026

Best Low-Interest Credit Cards

If you occasionally carry a balance, a low purchase rate saves real money. These cards trim interest costs without flashy extras.
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ASB Visa Flex Credit Card

ASB Visa Flex 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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Westpac Fee Free Mastercard

Westpac Fee Free Mastercard

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Purchase Rate9.95% p.a.12.95% p.a.12.90% p.a.
Annual FeeNZ$0NZ$20 half-yearlyNZ$0
FX Fee0%1.90%0%
HighlightLowest rate + 0% FX.Same low rate for purchases and cash.Zero fees across the board.
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BNZ Lite Visa Credit Card

BNZ Lite Visa Credit Card

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Kiwibank Zero Visa Credit Card

Kiwibank Zero Visa Credit Card

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Purchase Rate13.50% p.a.12.90% p.a.
Annual FeeNZ$10 per annumNZ$0
FX Fee2.25%≈1.85%
HighlightAffordable, no-frills low-rate card.Simple budget option.