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| Name | Provider | Interest Free Days | Annual Fee ▼ | Balance Transfer | Reward Type | Reward Value | Reward Ratio | Cardholder Fee | Purchase Rate | Transfer Rate | Advance Rate |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Kiwibank | 55 | - | 6 months | - | - | - | - | 12.90% p.a. | 1.99% p.a. | 12.90% p.a. | |
| ANZ Bank | 55 | - | 24 months | - | - | - | - | 13.90% p.a. | 1.99% p.a. | 20.95% p.a. | |
| ASB Bank | 55 | - | 6 months | - | - | - | - | 13.50% p.a. | - | 22.95% p.a. | |
| SBS Bank | 55 | - | - | cash back | 1 | 0.0067 | - | 19.65% p.a. | - | 22.65% p.a. | |
| Westpac | 55 | - | - | - | - | - | - | 12.90% p.a. | 5.95% p.a. | 19.95% p.a. | |
| AMEX | 55 | - | 6 months | airpoints | 1 | 0.01 | - | 22.95% p.a. | - | 22.95% p.a. | |
| Bank of New Zealand | 55 | $10 | - | - | - | - | $3 | 13.50% p.a. | - | 22.95% p.a. | |
| The Co-operative Bank | 55 | $20 | 6 months | - | - | - | $30 | 12.95% p.a. | - | 12.95% p.a. | |
| TSB Bank | 55 | $20 | - | - | - | - | $5 | 11.95% p.a. | - | 11.95% p.a. | |
| ICBC | 56 | $30 | - | - | - | - | $5 | - | - | - | |
| ANZ Bank | 55 | $40 | 24 months | cash back | 1 | 0.6667 | $5 | 20.95% p.a. | 1.99% p.a. | 20.95% p.a. | |
| Bank of New Zealand | 55 | $40 | - | BNZ rewards | 1 | - | $12 | 20.95% p.a. | - | 22.95% p.a. | |
| ASB Bank | 55 | $40 | 6 months | true rewards | 1 | 1 | $23 | 20.95% p.a. | - | 22.95% p.a. | |
| ASB Bank | 55 | $40 | 6 months | everyday rewards | 1 | 0.5 | $23 | 20.95% p.a. | - | 22.95% p.a. | |
| Westpac | 55 | $40 | - | hot points | 1 | 1 | - | 20.95% p.a. | 5.95% p.a. | 22.95% p.a. | |
| Westpac | 55 | $40 | - | hot points | 0.5 | 0.5 | - | 20.95% p.a. | 5.95% p.a. | 22.95% p.a. | |
| Kiwibank | 44 | $50 | 6 months | airpoints | 1 | 0.005 | $5 | 16.90% p.a. | 1.99% p.a. | 16.90% p.a. | |
| Farmers | - | $50 | - | farmers club points | 1 | 0.1 | - | 28.50% p.a. | - | 29.50% p.a. | |
| hummgroup | 92 | $50 | - | - | - | - | - | 28.95% p.a. | - | 29.50% p.a. | |
| ICBC | - | $50 | - | - | - | - | $5 | - | - | - | |
| The Warehouse | 55 | $55 | - | purple reward dollars | 1 | 0.0067 | - | - | - | - | |
| AMEX | 55 | $59 | 6 months | - | - | - | - | 12.69% p.a. | 2.99% p.a. | 21.95% p.a. | |
| ANZ Bank | 44 | $65 | 24 months | airpoints | 1 | 0.0059 | $5 | 20.95% p.a. | 1.99% p.a. | 20.95% p.a. | |
| Latitude Financial | 183 | $65 | 6 months | cash back | - | - | - | 29.49% p.a. | 6.99% p.a. | 29.95% p.a. | |
| Westpac | 55 | $70 | - | airpoints | 1 | 0.0067 | $15 | 20.95% p.a. | 5.95% p.a. | 22.95% p.a. | |
| Westpac | 55 | $70 | - | airpoints | 1 | 0.0033 | $15 | 20.95% p.a. | 5.95% p.a. | 22.95% p.a. | |
| Westpac | 55 | $70 | - | hot points | 1.5 | 1.5 | $25 | 20.95% p.a. | 5.95% p.a. | 22.95% p.a. | |
| Westpac | 55 | $70 | - | hot points | 1 | 1 | $25 | 20.95% p.a. | 5.95% p.a. | 22.95% p.a. | |
| ANZ Bank | 55 | $80 | 24 months | cash back | 1 | 0.8333 | $5 | 20.95% p.a. | 1.99% p.a. | 20.95% p.a. | |
| ASB Bank | 55 | $80 | 6 months | true rewards | 1 | 0.01 | $55 | 20.95% p.a. | - | 22.95% p.a. | |
| ASB Bank | 55 | $80 | 6 months | everyday rewards | 1 | 1 | $55 | 20.95% p.a. | - | 22.95% p.a. | |
| ICBC | - | $80 | - | - | - | - | $5 | - | - | - | |
| Bank of New Zealand | 55 | $90 | - | BNZ rewards | 0 | - | $20 | 18.95% p.a. | - | 18.95% p.a. | |
| TSB Bank | 55 | $90 | - | cash back | 1 | 0.01 | $5 | 11.95% p.a. | - | 11.95% p.a. | |
| Flight Centre | 44 | $100 | - | flight centre rewards | 1 | 0.0067 | $10 | - | - | - | |
| Westpac | 44 | $125 | - | airpoints | 1 | 0.0091 | $25 | 20.95% p.a. | 5.95% p.a. | 22.95% p.a. | |
| Westpac | 44 | $125 | - | airpoints | 1 | 0.0091 | $25 | 20.95% p.a. | 5.95% p.a. | 22.95% p.a. | |
| AMEX | - | $149 | - | - | - | - | - | 22.95% p.a. | 2.99% p.a. | 22.95% p.a. | |
| ANZ Bank | 44 | $150 | 24 months | airpoints | 1 | 0.0091 | $5 | 20.95% p.a. | 1.99% p.a. | 20.95% p.a. | |
| Kiwibank | 44 | $180 | 6 months | airpoints | 1 | 0.0087 | $15 | 20.95% p.a. | 1.99% p.a. | 20.95% p.a. | |
| AMEX | 55 | $195 | - | airpoints | 1 | 0.0143 | - | 22.95% p.a. | - | 22.95% p.a. | |
| AMEX | 55 | $200 | - | membership rewards | 2 | 2 | - | 22.95% p.a. | - | 22.95% p.a. | |
| Westpac | 44 | $285 | - | hot points | 2 | 2 | - | 16.95% p.a. | 5.95% p.a. | 22.95% p.a. | |
| Westpac | 44 | $285 | - | hot points | 1 | 1 | - | 16.95% p.a. | 5.95% p.a. | 22.95% p.a. | |
| Westpac | 44 | $310 | - | airpoints | 1 | 0.0105 | $100 | 16.95% p.a. | 5.95% p.a. | 22.95% p.a. | |
| Westpac | 44 | $310 | - | airpoints | 1 | 0.0053 | $100 | 16.95% p.a. | 5.95% p.a. | 22.95% p.a. | |
| AMEX | 55 | - | - | - | - | - | - | 22.95% p.a. | - | 22.95% p.a. |