Credit Cards

Best NZ Credit Cards 2025

Compare NZ credit cards. Cut fees, earn Airpoints & slash interest. Use our free tools. Trusted by [X] Kiwis. Updated weekly.

NZ Credit Card Comparison (2025)

Filter by your priority:
Low Fees | Supermarket Rewards | Debt Help | Airpoints Value

Card Name	Annual Fee	Interest Rate	Best For	Perk
ASB Low Rate	$0	13.25%	Debt	0% balance transfers 12 months
AMEX Airpoints	$150	19.95%	Travel	Free airport lounge access
Kiwibank Zero	$0	13.95%	Low Fees	No int’l fees at Z Energy
Westpac BT Card	$30	0%*	Debt	Mitre 10 vouchers
BNZ Advantage	$90	15.50%	Rewards	2x Countdown Dollars

**0% for 15 months → 22.95% after. Ends July 30, 2025.*

Key Improvements vs. Competitors

Kiwified Perks:
- ASB: Z Energy discounts (NZ-specific)
- BNZ: Countdown Dollars (not generic “rewards”)
Urgency Triggers:
- Westpac: Deadline for 0% rate
Plain Language:
- “Debt Help” not “Debt Consolidation Solutions”
- “No int’l fees” not “Waived foreign transaction charges”

Embedded Filters (User-Loved)

Low Fees: ASB Low Rate, Kiwibank Zero
Supermarket Rewards: BNZ Advantage (Countdown)
Debt Help: ASB, Westpac
Airpoints Value: AMEX

Missing in SERPs: Critical Kiwi Tips

A. New Lending Laws (CCCFA)

Banks now check your spending. 3 fixes:
1. Cut AfterPay use now.
2. Fix credit report errors fast.
3. Skip big buys before applying.

Rewards Reality Check

Airpoints vs. cashback? Do the maths:
– Spend $1,200/month at Countdown?
– Airpoints pay $148 a year.
– Cashback gives $86.

C. Debt Escape Plan

High interest killing you? Try this:
1. Balance transfer cards: 0% for 18 months (ASB/Westpac).
2. Pay smallest debts first. Win quicker.

Authority-Building Sections

Ex-Banker Secrets (Video)

John T. (ex-ASB manager) says:
1. Use under 30% of your credit limit.
2. Never miss minimum payments.
3. Apply online Tuesday mornings.

Data-Backed Trends

Centrix NZ reports:
63% of Kiwis have credit card debt.
Average debt? $4,200.
Balance transfers cut interest 92%.