Store credit cards

Store credit cards offer you rewards for shopping with a particular retailer or brand, with benefits ranging from points per $1 spent to discounts on your shopping and VIP events. Use this guide to compare store credit cards and learn more about what’s available and how to make the most of your spending.

Compare store credit cards

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Name	Product	Purchase Rate	Annual fee	Balance Transfer Rate
Q Mastercard Q Mastercard		0% for 3 months (changes to 25.99% p.a.)	$50	N/A	Get 3 months zero interest and zero payments on every purchase with no minimum spend required. Ts&Cs apply.	More Info	Compare	loading Fetching your data...
Farmers Mastercard Farmers Mastercard		25.95% p.a.	$50	N/A	Collect points on everyday purchases when you link your Farmers Mastercard to a valid Farmers Club Card. Collect 1 Farmers Club point for every $10 spent. Subject to lending criteria, fees and T&Cs apply.	More Info	Compare	loading Fetching your data...
Flight Centre Mastercard Flight Centre Mastercard		22.95% p.a.	$50	N/A	Use your Flight Centre Mastercard for everyday shopping and earn rewards as you spend. Earn 3 Flight Centre Rewards for every $100 spent at a Flight Centre Store and 1.5 Flight Centre Rewards for every $100 spent on standard purchases. Subject to lending criteria. T&Cs apply.	More Info	Compare	loading Fetching your data...
Purple Visa Card Purple Visa Card		22.9% p.a.	$55	N/A	More Info	Compare	loading Fetching your data...

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How do store cards work?

These cards offer benefits when you shop with a particular brand or retailer. For example, you could earn a higher rate of points per $1 for spending with an associated store, a monetary discount on your shopping, exclusive sales and long interest-free offers.

What stores have store cards?

You can get credit cards for the following stores, brands or retail loyalty programmes:

What benefits can I get with a store card?

Store credit cards may offer a range of perks to enjoy when you shop with the brand or elsewhere. These features vary between cards but often include:

• Reward points. Some store cards in New Zealand, like the Purple Visa card, offer points per $1 spent on eligible purchases.
• VIP offers. Store cards may give you access to exclusive events, offers and sales. For example, the Farmers Mastercard grants you access to cardmember exclusive competitions offers and promotions. If you use your Farmers Mastercard in conjunction with your Farmers Club card, you can earn double points online or instore.
• Shopping discounts. You may receive savings on your shopping with the store or associated brands when you use a store card to pay for purchases. For example, with the Warehouse Money Visa card you can get 5% off your shopping at The Warehouse. There are exclusions, so make sure you check in-store or online before you buy goods.
• Flexible payment plans. Credit cards may also offer you different payment options for purchases you make with the linked brand. Currently, Q Mastercard offers these options:
  • 18 months interest-free on all purchases over $299 at Farmers, online or instore.
  • 24 months interest-free on purchases over $500 at Danske Mobler.
  • 15 months no payment and no-interest on return travel purchases, over $499, made instore at You Travel. A 2.95% You Travel fee applies.
• Other benefits. Depending on the store card you choose, you could also enjoy perks such as purchase insurance and airport lounge access.

How to compare store credit cards

As well as examining the benefits of a store card, make sure you consider the following features so you can find one that suits your needs:

• Acceptance. Ensure the card is a Mastercard or Visa option if you want to use it outside the associated store.
• Annual fee. All store associated cards, except The Warehouse Money Visa Card, charge an annual fee of around $50.
• Interest rates. Store credit card interest rates typically range from 19.95% p.a. to 25.99% p.a. for purchases but could be higher for cash advances.
• Payment plan rates and fees. If your store card offers long-term payment plans for in-store purchases, make sure you check for establishment and maintenance fees. For example, the Farmers Mastercard attracts a $55 establishment fee when you make your first purchase using the long-term payment plan.

What to avoid with a retail credit card

• Spending to earn points. Justifying an unnecessary purchase on the basis that you have earned some points is poor thinking. Not only could you end up with a purchase of little value, but you may take your balance into an area that you cannot pay off in full.
• Losing track of your spending. If you have any doubts about your ability to manage a larger credit card bill or to balance any sudden large shift from cash to plastic, then putting your everyday bills onto your retail rewards credit card would be unwise. Your balance needs to be paid off in full each month for your points to be of some benefit. If you end up paying interest, you have lost the game.
• Making cash transactions. These include cash withdrawals from ATMs, cashback at a cash register, travellers cheques and foreign currency and gambling transactions. These do not earn you points, but they earn your a higher rate of interest from the moment they are made, plus a cash advance fee.

Store credit cards can help you get more benefits when you regularly shop with a particular brand or store. Just remember to look at all the card features and fees, then compare a range of options so that you can find one that suits your needs.

Frequently asked questions

Want to know more about store cards? Here, you’ll find answers to the most common questions we are asked about store credit cards. If you have a specific query, you can contact us using the comment box below.

• Can I use a retail-branded credit card anywhere?

  Yes, as long as the card has a Visa or Mastercard logo, you can use it anywhere these cards are accepted. Note that you may earn reward points at a different rate when you make a purchase at a retailer that has no affiliation with the retail brand. Check the terms and conditions for specific information about transactions that are eligible and ineligible to earn points.

• How do I get an interest-free period on a store card?

  Some store credit cards have an extended interest-free promotion on purchases. Usually, you need to present your store card and/or spend a specific amount on eligible purchases to use one of these 0% interest offers. Note that fees may also apply.

  Most store cards also offer up to a certain number of interest-free days on purchases for each statement period. Just be sure to pay your account in full each month, and you won’t get charged any interest on the purchases you make during the next statement period.

• Do store cards count as credit cards?

  The current store cards in New Zealand are credit cards with Mastercard or Visa functionality. This means you can use them anywhere regular credit cards are accepted. It also means that the details of the store card are added to your credit history.

• Can I balance transfer a store card debt to a credit card?

  Yes, most balance transfer credit cards accept debt from a store card, as well as other credit cards that are not issued by the same financial institution. You need to include details of your store card account and debt when applying for the balance transfer.

• What store cards work with Apple Pay?

  Mastercard Farmers and Flight Centre credit cards offer Apple Pay functionality.