Updated at Mon, 20 Jul 2026
Best Travel & Foreign Currency Credit Cards
Minimise foreign currency fees and keep overseas spending predictable. If you don’t need a credit line, multi-currency cards deliver even sharper FX pricing.
| Feature | |||
|---|---|---|---|
| FX Fee / Mechanism | 0% | 0% | Mid-market + ~0.35% |
| Annual Fee | NZ$0 | NZ$0 | NZ$14 one-off |
| Travel Benefits | — | — | — |
| Who It Suits | Best no-FX-fee credit card in New Zealand. | Low rate plus 0% FX for travellers and online shoppers. | Transparent FX across 40+ currencies. |
| Feature | ||
|---|---|---|
| FX Fee / Mechanism | 0% up to NZ$2,000/mo; then 1% (+~1% weekend) | 1.30% |
| Annual Fee | Free (Standard plan) | NZ$150 |
| Travel Benefits | — | Airpoints earn + travel insurance |
| Who It Suits | Good for light travel; premium tiers lift limits/perks. | Air New Zealand fans who value perks. |
