Compare Credit Cards

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Finder’s free service makes comparing credit cards simple. Here’s a guide to help you navigate your choices and understand the features, fees and rewards.

New Zealand credit card comparison

Name Product Purchase rate (p.a.) Interest Free Period Annual fee
American Express Airpoints Card
0% for 6 months (reverts to 19.95% APR)
Up to 55 days on purchases
$0 p.a.
Be rewarded with 50 bonus Airpoints Dollars. Simply apply, be approved, and spend $750 on your new Card in the first 3 months of membership. This offer is available to new Card Members only.
American Express Airpoints Platinum Card
19.95% APR
Up to 55 days on purchases
$195 p.a.
Receive 200 bonus Airpoints Dollars when you apply, are approved, and spend a minimum of $1,500 in the first 3 months. This offer is available to new Card Members only. You will also earn 1 Airpoints Dollar for every $59 you spend on your card.
American Express Platinum Edge Credit Card
2.99% for 6 months (reverts to 19.95% APR)
Up to 55 days on purchases
$149 p.a.
Enjoy a low rate on purchases and earn 20,000 Membership Rewards Bonus Points if you apply, are approved and spend $750 in the first 3 months of Card membership. This offer is available to new Card Members only.
American Express Platinum Card
Up to 44 days on purchases
$1,250 p.a.
A charge card with premium travel benefits. Plus up to 80,000 Membership Rewards Bonus Points when you spend $1,500 on your card within the first 3 months, available to new Card Members only.

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* The credit card offers compared on this page are chosen from a range of credit cards Finder has access to and are not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of the terms “best” and “top” are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

What type of card are you looking for?

How credit cards work

A credit card is an unsecured revolving line of credit, which basically means you can borrow money to make purchases without having to put up collateral (upfront cash). Based on your perceived ability to make repayments, credit card companies assign a credit limit, which is the maximum amount of money you can borrow.

Unlike a debit card that uses your own money to make purchases, when you use a credit card, it is the lender who pays the retailer. At the end of your billing cycle, you receive a statement and that tells you the total amount you owe the lender for that period. Credit card companies make money on fees and the interest that accrues on your revolving credit.

There are many types of credit cards depending on the type of user. They range from general purpose cards issued by big banks, to brand-specific rewards cards.

Credit card companies have been offering increasingly shiny rewards, signup bonuses, and travel perks to lure new users to spend with them. This can be very helpful if you pay your bills on time and in full. If you don’t you might offset any rewards gained by paying more in fees and interest.

How credit card interest works

Understanding APR

As you spend on your credit card, your debts will also begin to collect interest if you’re unable to pay the whole balance back by the end of the statement or interest-free period.

A card might have different interest rates for different uses.

If you’ve used your card for purchases, it will start collecting interest charges at the “purchase rate.” If you’ve used your card for an ATM withdrawal or any other transaction that’s considered a cash advance, you’ll accrue the “cash advance rate” which can be higher.

If you decide to transfer your debt from one card to another you’ll also accrue a “balance transfer interest rate”, which is usually the same as either the interest rate or cash advance rate. However, some cards do offer 0% promotional periods on purchases and balance transfers, so this is something to keep in mind during your comparison.

Each month, you’ll receive a statement that will detail the transactions you’ve made, the total outstanding balance you have and any interest you’re accruing. While you’re only required to pay a minimum repayment each month it’s best to pay as much as you can. If you pay your entire balance in full, you can usually take advantage of up to 55 interest-free days in the next statement period. If you don’t pay your entire balance in full, the remainder will start to collect interest. If you miss the minimum repayment, you could be charged late payment fees.

Comparing credit card features

Most popular credit card features

Balance transfers

You can consolidate an existing debt at a lower interest rate with a balance transfer card.

      • Manage your debt. The longer the low or 0% balance transfer APR lasts, the more you can save.
      • Beware of the revert rate. When the introductory low or 0% interest rate ends, you could find yourself confronted with a much higher interest rate.

Rewards cards

A rewards card can be a worthwhile way to get something back from your spending. Whether you’re a frequent flyer, loyal customer or big grocery spender, you can find a rewards credit card to suit almost any lifestyle.

      • The major draw of this type of card is earning points that can be redeemed for rewards. Depending on the card you use and the promotions in place, you may be able to earn bonus points when making certain types of purchases or shopping with a particular retailer.
      • What you can redeem your points for will vary from card to card. Some allow you to redeem points for flight rewards as well as shopping or travel vouchers. Others can be used for cash back, to redeem merchandise or even to donate to charity.

Cards with 0% APR

If you’re looking for a card that can lead to significant savings on interest, a 0% APR credit card could be the right choice for you.

      • 0% APR credit cards allow cardholders to take their time when paying off larger purchases or consolidating existing debt.
      • If the 0% APR is only in place for an introductory period, the revert rate could be significantly higher. These cards often require applicants to have a good credit history as well.

Cards with low interest

A low interest credit card allows cardholders to repay their debts at lower interest rates than a standard card. Depending on the card, the length of the low interest period may vary from an introductory period to the life of the card.

      • If you struggle to repay your balance each month, low interest cards can help you reduce the costs of your card.
      • The advantage of low interest usually comes at the cost of forfeiting the extra features that a premium or platinum card may offer, such as a rewards program, complimentary rental car insurance or other perks.

Cards with no annual fee

A no annual fee card doesn’t charge a yearly fee. Some cards have this as an ongoing deal; others will waive the standard fee for the first year of using the card.

      • Not having to pay an annual fee can result in savings each year.
      • If the annual fee is only in place for a promotional period, there may be a high annual fee when it reverts to the standard rate.

Compare no annual fee credit cards

What are the costs of a credit card?

      • Repayments. You’re required to make the minimum repayment when your statement is issued. The minimum repayment is usually 2% of your outstanding balance. You will pay a late payment fee if you don’t make the minimum repayment by the statement due date.
      • Annual fee. This is the cost to own a credit card. The annual fee ranges from $0 to hundreds of dollars depending on the credit card type.
      • Interest rates. Interest is the price you pay to borrow money. Credit card interest rates are much higher than other types of finance because credit cards are an unsecured product; financial institutions have no recourse to take your assets if you default on your repayments.
      • Other fees. Other fees you may run into include late payment fees, rewards program membership fees and cash advance fees.

Credit card application tips

While applying for a credit card doesn’t have to be complicated, it can come with certain risks.

      1. Assess your needs. Before you begin your search, spend some time considering what you want, need and can afford with your next credit card.
      2. Compare your options. Once you’ve decided what type of card you want, it’s time to begin comparing your options.
      3. Are you eligible? Know the requirements for the card application – do you need a minimum income, and do you meet the age limit?
      4. Know your credit history. It can be a good idea to request a free copy of your credit report before applying, so you can correct any possible errors on it and see what the bank will be seeing when they assess your application.
      5. Lower your credit utilization ratio. If you already have a credit card balance, it’s wise to pay off your existing balances before submitting a new credit card application.
      6. Don’t apply for multiple cards at once or within a short period. You may be tempted to apply for a second card just in case your first one doesn’t get approved, but don’t. Each credit enquiry that a lender makes about your credit history leaves a new mark on your credit file for five years.

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6 Responses

  1. Default Gravatar
    JayMarch 23, 2018

    Is there a credit card in New Zealand that has no annual fee and no foreign transaction fees?

    • Avatarfinder Customer Care
      MayMarch 26, 2018Staff

      Hi Jay,

      Thanks for your inquiry. At the moment, we don’t have a comparison page for credit cards with zero foreign transaction fees, but we have a guide how this card works instead. Please refer to this page. As to the credit card with no annual fee, please check the one we featured on this page and see if this suits your needs.


  2. Default Gravatar
    SamehDecember 26, 2017

    Hi there
    I am looking for GE credit card within next few days … is that possible? Cause I need to use it to buy some items from Harvey normal before end of December which the price unbeatable for that items
    Thanks a lot

    • Default Gravatar
      ArnoldDecember 30, 2017

      Hi Sameh,

      Thanks for your inquiry

      Actually, you have come to the right page to find options for credit cards in NZ. If you specifically want a GE credit card, you may directly contact the card lender to apply. Please note that you need meet some eligibility requirements to be approved.

      Hope this information helps


  3. Default Gravatar
    MeghanNovember 27, 2017

    Hello, I am trying to get a job in New Zealand.. I’m looking into credit cards before I leave. I will be paying off any debt I have on the card I have currently of course. I was hoping you could help me find something like the capital one platinum card in the U.S
    I have a little credit.. I only started a year ago though. And I’m looking for something with no annual fee

    • Avatarfinder Customer Care
      asiasantiagoNovember 29, 2017Staff

      Hi Meghan,

      Thank you for your inquiry.

      Upon checking on our website, there is no information about a platinum card that doesn’t require annual fees.

      But we do have a page for no annual fee credit cards, You may want to compare your options on the link address here:

      I recommend that it is best to contact your chosen credit card provider to discuss with them your eligibility and options.

      I hope this helps.


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