In our other articles we have already covered credit cards comparison from all major banks operating in New Zealand in high detail, separating it into groups by each bank. Here we will make a summary of all credit cards in one place. To keep this final review tidy without flooding the page with hundreds of numbers, we will focus only on 3 main parameters – credit card yearly account maintenance fee, interest rate for purchases and balance transfer interest rate.
If you need other parameters of a particular credit card then please check the individual bank report. You can easily navigate it through the main menu or via the category expanding menu in the right column.
Bank |
FeaturesCredit Card Name |
Annual Fee |
Interest rate on purchases |
Interest rate on balance transfer |
ANZ |
ANZ Airpoints Visa |
$65 |
19.95% |
2.99% |
ANZ |
ANZ Airpoints Visa Platinum |
$125 |
19.95% |
2.99% |
ANZ |
ANZ World Visa |
$65 |
19.95% |
2.99% |
ANZ |
ANZ World Visa Platinum |
$150 |
19.95% |
2.99% |
ANZ |
ANZ Visa or ANZ MasterCard |
$25 |
19.95% |
2.99% |
ANZ |
ANZ Visa Gold or Gold MasterCard |
$80 |
19.95% |
2.99% |
ANZ |
ANZ Low Rate MasterCard |
$58 |
13.90% |
2.99% |
ANZ |
Qantas ANZ Visa |
$65 |
19.95% |
n/a |
ANZ |
Qantas ANZ Visa Platinum |
$125 |
19.95% |
n/a |
ASB |
Visa |
$24 / $36 joint |
19.45% |
n/a |
ASB |
Visa Gold |
$80 / $110 joint |
19.45% |
n/a |
ASB |
Visa Platinum |
$130 / $150 joint |
18.45% |
n/a |
ASB |
Low Interest MasterCard with Rew. |
$60 / $68 joint |
12.00% |
n/a |
ASB |
Low Interest MasterCard no Rew. |
$70 / $78 joint |
14.45% |
n/a |
ASB |
MasterCard |
$24 / $36 joint |
19.45% |
n/a |
ASB |
MasterCard Gold |
$80 / $110 joint |
19.45% |
n/a |
BNZ |
Lite Visa |
$60 |
13.25% |
4.95% |
BNZ |
All Blacks MasterCard |
$47.88 |
19.95% |
4.95% |
BNZ |
BNZ Classic |
$30 |
19.95% |
4.95% |
BNZ |
BNZ Gold |
$80 |
19.95% |
4.95% |
BNZ |
BNZ Platinum |
$175 |
15.95% |
4.95% |
BNZ |
Global Plus Gold |
$105 |
19.95% |
4.95% |
BNZ |
Global Plus Platinum Visa |
$200 |
15.45% |
4.95% |
BNZ |
Global Plus Standard |
$55 |
19.95% |
4.95% |
Kiwibank |
Low Rate MasterCard |
$50 |
12.90% |
2.99% |
Kiwibank |
MasterCard Zero |
$0 |
15.90% |
2.99% |
Kiwibank |
MasterCard Gold |
$80 |
16.90% |
2.99% |
Kiwibank |
Go Fly Standard |
$56 |
18.90% |
2.99% |
Kiwibank |
Go Fly Gold |
$98 |
18.90% |
2.99% |
Kiwibank |
Go Fly Platinum |
$130 |
18.90% |
2.99% |
NB |
Thoroughbred Card |
$50 |
19.95% |
2.99% |
NB |
Visa Classic |
$25 |
19.95% |
2.99% |
NB |
Low Interest Visa |
$39 |
13.90% |
2.99% |
NB |
Freestyle |
$0 |
16.50% |
2.99% |
NB |
Gold Thoroughbred Card |
$95 |
19.95% |
2.99% |
NB |
Visa Gold |
$75 |
19.95% |
2.99% |
NB |
Platinum Visa |
$125 |
19.95% |
2.99% |
TSB |
Visa |
$30 |
18.50% |
n/a |
Westpac |
Low Interest MasterCard |
$65 |
12.95% |
4.95% |
Westpac |
Westpac Hotpoints Credit Card |
$44 |
19.95% |
4.95% |
Westpac |
Westpac hotpoints Gold Credit Card |
$100 |
19.95% |
4.95% |
Westpac |
Westpac Ultimate Credit Card |
$290 |
15.65% |
4.95% |