Updated at Mon, 20 Jul 2026
Best Rewards & Cashback Credit Cards
Cashback pays you directly while points unlock travel, vouchers and more. Match your spend profile to the right programme so your net return after fees stays strong.
| Feature | |||
|---|---|---|---|
| Reward Type | Cashback | Cashback | Cashback |
| Earning Rate | $1 per $150 (≈0.67%) | $1 per $100 (1%) | $1 per $150 (≈0.67%) |
| Annual Fee | NZ$40 | NZ$90 | NZ$0 |
| Highlights | True cash credited annually to your card. | High cashback plus complimentary travel insurance. | New Zealand’s only no-annual-fee cashback credit card. |
| Feature | ||
|---|---|---|
| Reward Type | True Rewards Dollars | hotpoints |
| Earning Rate | TR$1 per $150 | 2 pts/$1 to $15k monthly, then 1 pt/$1 |
| Annual Fee | NZ$40 (charged half-yearly) | NZ$285 |
| Highlights | Spend TR$ like dollars at partner stores. | High earn rate with premium perks. |
