For Kiwis looking to balance affordable interest rates with valuable rewards, 2025 offers a great range of credit card options. Whether your goal is to save on interest, earn cashback, or collect rewards points, choosing the right card can help you make the most of your spending.
In this article, we highlight the Top 5 Credit Cards in New Zealand for 2025, focusing on those that offer low interest rates and attractive rewards programs.
1. ANZ Low Rate Visa
Why It’s Popular:
Perfect for people who often carry a balance and want to minimize interest charges.
Key Features:
- Low ongoing purchase interest rate (around 12.9% p.a., check latest rate on the bank's website)
- Low annual fee
- Balance transfer offers may also be available
Official Site:
2. Westpac Low Rate Mastercard
Why It’s Popular:
A solid option for those focused on low ongoing interest and occasional balance transfers.
Key Features:
- Purchase interest rate as low as 12.95% p.a.
- Affordable annual fee
- Online banking and mobile app support for easy management
Official Site:
3. Kiwibank Zero Visa
Why It’s Popular:
If you want to avoid annual fees completely, the Kiwibank Zero Visa is a strong contender.
Key Features:
- $0 annual fee for life
- Low interest rate compared to many no-fee cards
- Ideal for students and low-income earners
Official Site:
4. American Express Airpoints Card
Why It’s Popular:
For frequent travelers and Air New Zealand customers, this card allows you to earn Airpoints Dollars while enjoying a low annual fee.
Key Features:
- Earn Airpoints Dollars on every purchase
- No annual fee
- Special Amex member offers and travel promotions
Official Site:
https://www.americanexpress.com/nz
5. BNZ Advantage Visa Classic
Why It’s Popular:
Good for people who want a mix of low interest and cashback or Fly Buys rewards.
Key Features:
- Choice between Cashback Rewards or Fly Buys Points
- Reasonable purchase interest rate (~13.45% p.a., confirm current rate on BNZ site)
- Competitive annual fee
Official Site:
✅ Conclusion
When choosing a credit card in New Zealand for 2025, it’s important to balance interest rates, fees, and reward potential based on your personal financial habits.
Whether your priority is saving on interest, earning rewards, or avoiding annual fees, the five cards listed here offer some of the best value currently available on the market.
Always review the latest rates and terms on each provider’s website before applying to ensure the card fits your needs.
