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Credit Cards Star Ratings€¦ · American Express Air New Zealand Card 19.95% N/A Nil ‐ 55 2,000...

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Annual Fee^ ($) Credit Cards Star Ratings We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you. Company Product Purchase Rate p.a* Cash Advance Rate p.a* Spend To Waive Fee ($) Credit Limit Available ($) Interest Free Days Rewards Available Low Rate Concierge Service Extended Warranty Travel Insurance "Outstanding Value" 13.50% 22.95% Nil 55 1,000+ ASB Bank Visa Light 13.45% 22.95% 60 55 500+ BNZ Low Rate MasterCard 13.45% 22.95% 65 55 500+ Westpac Low Rate MasterCard "Rising Star" 12.95% 12.95% 20 55 1,000 30,000 The Co-operaƟve Bank Fair Rate 12.69% 21.95% 59 55 Any American Express Low Rate Credit Card 13.90% 22.95% 58 55 500+ ANZ Bank Low Rate MasterCard 13.45% 19.95% 50 55 500 20,000 Kiwibank Low Rate MasterCard 19.95% N/A Nil 55 2,000 25,000 American Express Air New Zealand Card 20.95% 22.95% 30 55 500+ ANZ Bank MasterCard 20.95% 22.95% 30 55 500+ ANZ Bank Visa 20.95% 22.95% 24 55 500+ ASB Bank Visa 20.95% 22.95% 80 55 5,000+ ASB Bank Visa Gold 20.95% 22.95% 40 55 500+ BNZ Advantage Classic MasterCard 20.95% 22.95% 40 55 500+ BNZ Advantage Classic Visa 19.99% 22.99% 65 55 500+ Gem Onecard Visa Credit Card Star Ratings 2016 - Page 1 Report Date: December 2016. (All information is correct as at December 2016) *Rate as at 15th November, 2016. ^Annualised where applicable.
Transcript
Page 1: Credit Cards Star Ratings€¦ · American Express Air New Zealand Card 19.95% N/A Nil ‐ 55 2,000 ‐ 25,000 Kiwibank Airpoints Low Fee MasterCard 16.90% 22.95% 25 ‐ 44 500+ Warehouse

Annual Fee^ ($)

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company Product Purchase Rate p.a*

Cash Advance Rate p.a*

Spend To Waive Fee 

($)

Credit Limit Available ($)

Interest Free Days 

Rewards Available

Low Rate

Concierge Service

Extended Warranty

Travel Insurance

"Outstanding Value"

13.50% 22.95% Nil ‐ 55 1,000+ ASB Bank Visa Light

13.45% 22.95% 60 ‐ 55 500+ BNZ Low Rate MasterCard

13.45% 22.95% 65 ‐ 55 500+ Westpac Low Rate MasterCard

"Rising Star"

12.95% 12.95% 20 ‐ 55 1,000 ‐ 30,000 The Co-opera ve Bank Fair Rate

12.69% 21.95% 59 ‐ 55 Any American Express Low Rate Credit Card

13.90% 22.95% 58 ‐ 55 500+ ANZ Bank Low Rate MasterCard

13.45% 19.95% 50 ‐ 55 500 ‐ 20,000 Kiwibank Low Rate MasterCard

19.95% N/A Nil ‐ 55 2,000 ‐ 25,000 American Express Air New Zealand Card

20.95% 22.95% 30 ‐ 55 500+ ANZ Bank MasterCard

20.95% 22.95% 30 ‐ 55 500+ ANZ Bank Visa

20.95% 22.95% 24 ‐ 55 500+ ASB Bank Visa

20.95% 22.95% 80 ‐ 55 5,000+ ASB Bank Visa Gold

20.95% 22.95% 40 ‐ 55 500+ BNZ Advantage Classic MasterCard

20.95% 22.95% 40 ‐ 55 500+ BNZ Advantage Classic Visa

19.99% 22.99% 65 ‐ 55 500+ Gem Onecard Visa

Credit Card Star Ratings 2016 - Page 1Report Date: December 2016. (All information is correct as at December 2016) *Rate as at 15th November, 2016. ^Annualised where applicable.

Page 2: Credit Cards Star Ratings€¦ · American Express Air New Zealand Card 19.95% N/A Nil ‐ 55 2,000 ‐ 25,000 Kiwibank Airpoints Low Fee MasterCard 16.90% 22.95% 25 ‐ 44 500+ Warehouse

Annual Fee^ ($)

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company Product Purchase Rate p.a*

Cash Advance Rate p.a*

Spend To Waive Fee 

($)

Credit Limit Available ($)

Interest Free Days 

Rewards Available

Low Rate

Concierge Service

Extended Warranty

Travel Insurance

16.90% 22.95% 25 ‐ 44 500+ Kiwibank Airpoints Low Fee MasterCard

17.90% 19.95% 80 ‐ 55 5,000 ‐ 20,000 Kiwibank MasterCard Gold

16.90% 19.95% Nil ‐ 55 500 ‐ 20,000 Kiwibank MasterCard Zero

18.50% 18.50% 30 ‐ 55 1,000+ TSB Bank Visa Card

19.95% 22.95% Nil ‐ 55 1,500 ‐ 15,000 Warehouse Money Purple Visa Card

19.95% 22.95% Nil ‐ 55 1,500 ‐ 15,000 Warehouse Money Visa Card

20.95% 22.95% 55 ‐ 55 500+ Westpac Airpoints MasterCard

20.95% 22.95% 44 ‐ 55 500+ Westpac hotpoints MasterCard

19.95% N/A 195 ‐ 55 5,000 ‐ 100,000 American Express Airpoints Pla num Card

19.95% 21.95% 149 ‐ 55 5,000 ‐ 100,000 American Express Pla num Edge Credit Card

20.95% 22.95% 65 ‐ 44 500+ ANZ Bank Airpoints Visa

20.95% 22.95% 60 ‐ 55 500+ ANZ Bank Cashback MasterCard

20.95% 22.95% 60 ‐ 55 500+ ANZ Bank Cashback Visa

20.95% 22.95% 75 ‐ 44 500+ ANZ Bank Qantas Visa

20.95% 22.95% 65 ‐ 44 500+ Kiwibank Airpoints Standard MasterCard

19.95% 21.95% 68 ‐ 44 500+ Diners Club New Zealand Personal Credit Card

Credit Card Star Ratings 2016 - Page 2Report Date: December 2016. (All information is correct as at December 2016) *Rate as at 15th November, 2016. ^Annualised where applicable.

Page 3: Credit Cards Star Ratings€¦ · American Express Air New Zealand Card 19.95% N/A Nil ‐ 55 2,000 ‐ 25,000 Kiwibank Airpoints Low Fee MasterCard 16.90% 22.95% 25 ‐ 44 500+ Warehouse

Annual Fee^ ($)

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company Product Purchase Rate p.a*

Cash Advance Rate p.a*

Spend To Waive Fee 

($)

Credit Limit Available ($)

Interest Free Days 

Rewards Available

Low Rate

Concierge Service

Extended Warranty

Travel Insurance

25.99% 25.99% 52 ‐ 55 500+ Gem Gem Visa

Credit Card Star Ratings 2016 - Page 3Report Date: December 2016. (All information is correct as at December 2016) *Rate as at 15th November, 2016. ^Annualised where applicable.

Page 4: Credit Cards Star Ratings€¦ · American Express Air New Zealand Card 19.95% N/A Nil ‐ 55 2,000 ‐ 25,000 Kiwibank Airpoints Low Fee MasterCard 16.90% 22.95% 25 ‐ 44 500+ Warehouse

Annual Fee^ ($)

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company Product Purchase Rate p.a*

Cash Advance Rate p.a*

Spend To Waive Fee 

($)

Credit Limit Available ($)

Interest Free Days 

Rewards Available

Low Fee

Concierge Service

Extended Warranty

Travel Insurance

"Outstanding Value"

13.50% 22.95% Nil ‐ 55 1,000+ ASB Bank Visa Light

16.90% 19.95% Nil ‐ 55 500 ‐ 20,000 Kiwibank MasterCard Zero

19.95% N/A Nil ‐ 55 2,000 ‐ 25,000 American Express Air New Zealand Card

16.90% 22.95% 25 ‐ 44 500+ Kiwibank Airpoints Low Fee MasterCard

19.95% 22.95% Nil ‐ 55 1,500 ‐ 15,000 Warehouse Money Purple Visa Card

19.95% 22.95% Nil ‐ 55 1,500 ‐ 15,000 Warehouse Money Visa Card

13.90% 22.95% 58 ‐ 55 500+ ANZ Bank Low Rate MasterCard

20.95% 22.95% 30 ‐ 55 500+ ANZ Bank MasterCard

20.95% 22.95% 30 ‐ 55 500+ ANZ Bank Visa

20.95% 22.95% 24 ‐ 55 500+ ASB Bank Visa

20.95% 22.95% 80 ‐ 55 5,000+ ASB Bank Visa Gold

20.95% 22.95% 40 ‐ 55 500+ BNZ Advantage Classic MasterCard

20.95% 22.95% 40 ‐ 55 500+ BNZ Advantage Classic Visa

13.45% 22.95% 60 ‐ 55 500+ BNZ Low Rate MasterCard

25.99% 25.99% 52 ‐ 55 500+ Gem Gem Visa

19.99% 22.99% 65 ‐ 55 500+ Gem Onecard Visa

Credit Card Star Ratings 2016 - Page 4Report Date: December 2016. (All information is correct as at December 2016) *Rate as at 15th November, 2016. ^Annualised where applicable.

Page 5: Credit Cards Star Ratings€¦ · American Express Air New Zealand Card 19.95% N/A Nil ‐ 55 2,000 ‐ 25,000 Kiwibank Airpoints Low Fee MasterCard 16.90% 22.95% 25 ‐ 44 500+ Warehouse

Annual Fee^ ($)

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company Product Purchase Rate p.a*

Cash Advance Rate p.a*

Spend To Waive Fee 

($)

Credit Limit Available ($)

Interest Free Days 

Rewards Available

Low Fee

Concierge Service

Extended Warranty

Travel Insurance

13.45% 19.95% 50 ‐ 55 500 ‐ 20,000 Kiwibank Low Rate MasterCard

17.90% 19.95% 80 ‐ 55 5,000 ‐ 20,000 Kiwibank MasterCard Gold

18.50% 18.50% 30 ‐ 55 1,000+ TSB Bank Visa Card

20.95% 22.95% 55 ‐ 55 500+ Westpac Airpoints MasterCard

20.95% 22.95% 44 ‐ 55 500+ Westpac hotpoints MasterCard

13.45% 22.95% 65 ‐ 55 500+ Westpac Low Rate MasterCard

12.69% 21.95% 59 ‐ 55 Any American Express Low Rate Credit Card

19.95% 21.95% 149 ‐ 55 5,000 ‐ 100,000 American Express Pla num Edge Credit Card

20.95% 22.95% 65 ‐ 44 500+ ANZ Bank Airpoints Visa

20.95% 22.95% 60 ‐ 55 500+ ANZ Bank Cashback MasterCard

20.95% 22.95% 60 ‐ 55 500+ ANZ Bank Cashback Visa

20.95% 22.95% 75 ‐ 44 500+ ANZ Bank Qantas Visa

20.95% 22.95% 65 ‐ 44 500+ Kiwibank Airpoints Standard MasterCard

19.95% N/A 195 ‐ 55 5,000 ‐ 100,000 American Express Airpoints Pla num Card

19.95% 21.95% 68 ‐ 44 500+ Diners Club New Zealand Personal Credit Card

Credit Card Star Ratings 2016 - Page 5Report Date: December 2016. (All information is correct as at December 2016) *Rate as at 15th November, 2016. ^Annualised where applicable.

Page 6: Credit Cards Star Ratings€¦ · American Express Air New Zealand Card 19.95% N/A Nil ‐ 55 2,000 ‐ 25,000 Kiwibank Airpoints Low Fee MasterCard 16.90% 22.95% 25 ‐ 44 500+ Warehouse

Annual Fee^ ($)

Credit Card Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company ProductPurchase Rate p.a*

Spend To Waive Fee 

($)

Points Per $1

No Cap

Start ($)

End ($)

Rewards $12,000 Annual Spend

Interest Free Days

Rewards Available

Merch‐andise

Travel Voucher Cashback

"Outstanding Value"

999,99901:105519.99% ‐65Onecard VisaGem

‐‐1:1505519.95% ‐NilPurple Visa CardWarehouse Money

5,000005520.95% ‐60Cashback MasterCardANZ Bank

9,9995,0000.5

30,0009,9991

5,000005520.95% ‐60Cashback VisaANZ Bank

9,9995,0000.5

30,0009,9991

‐‐1:405520.95% ‐40Advantage Classic MasterCard ‐ Fly BuysBNZ

‐‐1:405520.95% ‐40Advantage Classic Visa ‐ Fly BuysBNZ

‐‐1:155518.95% ‐145Advantage Visa Pla num ‐ Fly BuysBNZ

‐‐1:1505520.95% ‐44VisaASB Bank

‐‐1:1505520.95% ‐40Advantage Classic MasterCard ‐ Cash RewardsBNZ

‐‐1:1505520.95% ‐40Advantage Classic Visa ‐ Cash RewardsBNZ

Credit Card Star Ratings 2016 - Page 1Report Date: December 2016. (All information is correct as at December 2016) *Rate as at 15th November, 2016. ^Annualised fee where applicable.

Page 7: Credit Cards Star Ratings€¦ · American Express Air New Zealand Card 19.95% N/A Nil ‐ 55 2,000 ‐ 25,000 Kiwibank Airpoints Low Fee MasterCard 16.90% 22.95% 25 ‐ 44 500+ Warehouse

Annual Fee^ ($)

Credit Card Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company ProductPurchase Rate p.a*

Spend To Waive Fee 

($)

Points Per $1

No Cap

Start ($)

End ($)

Rewards $12,000 Annual Spend

Interest Free Days

Rewards Available

Merch‐andise

Travel Voucher Cashback

‐‐1:755518.95% ‐145Advantage Visa Pla num ‐ Cash RewardsBNZ

‐‐15520.95% ‐44hotpoints MasterCardWestpac

‐‐2:10Charge Card ‐1,250Pla num CardAmerican Express

‐‐15519.95% ‐149Pla num Edge Credit CardAmerican Express

5,000005520.95% ‐125Cashback Pla num MasterCardANZ Bank

9,9995,0000.5

‐9,9991

5,000005520.95% ‐125Cashback Visa Pla numANZ Bank

9,9995,0000.5

‐9,9991

‐‐1:1305520.95% ‐100Visa GoldASB Bank

‐‐1:1005519.95% ‐150Visa Pla numASB Bank

‐‐150Charge Card ‐98Charge CardDiners Club New Zealand

‐‐14419.95% ‐98Personal Credit CardDiners Club New Zealand

‐‐2:15520.95% ‐125hotpoints Pla num MasterCardWestpac

Credit Card Star Ratings 2016 - Page 2Report Date: December 2016. (All information is correct as at December 2016) *Rate as at 15th November, 2016. ^Annualised fee where applicable.

Page 8: Credit Cards Star Ratings€¦ · American Express Air New Zealand Card 19.95% N/A Nil ‐ 55 2,000 ‐ 25,000 Kiwibank Airpoints Low Fee MasterCard 16.90% 22.95% 25 ‐ 44 500+ Warehouse

Annual Fee^ ($)

Credit Card Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company ProductPurchase Rate p.a*

Spend To Waive Fee 

($)

Points Per $1

No Cap

Start ($)

End ($)

Rewards $12,000 Annual Spend

Interest Free Days

Rewards Available

Merch‐andise

Travel Voucher Cashback

‐‐3:14416.95% 100,000390hotpoints World MasterCardWestpac

Credit Card Star Ratings 2016 - Page 3Report Date: December 2016. (All information is correct as at December 2016) *Rate as at 15th November, 2016. ^Annualised fee where applicable.

Page 9: Credit Cards Star Ratings€¦ · American Express Air New Zealand Card 19.95% N/A Nil ‐ 55 2,000 ‐ 25,000 Kiwibank Airpoints Low Fee MasterCard 16.90% 22.95% 25 ‐ 44 500+ Warehouse

Annual Fee^ ($)

Credit Card Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company ProductPurchase Rate p.a*

Spend To Waive Fee 

($)

Points Per $1

No Cap

Start ($)

End ($)

Rewards $24,000 Annual Spend

Interest Free Days

Rewards Available

Merch‐andise

Travel Voucher Cashback

"Outstanding Value"

‐‐1:755518.95% ‐145Advantage Visa Pla num ‐ Cash RewardsBNZ

‐‐1:155518.95% ‐145Advantage Visa Pla num ‐ Fly BuysBNZ

999,99901:105519.99% ‐65Onecard VisaGem

5,000005520.95% ‐60Cashback MasterCardANZ Bank

9,9995,0000.5

30,0009,9991

5,000005520.95% ‐60Cashback VisaANZ Bank

9,9995,0000.5

30,0009,9991

‐‐1:405520.95% ‐40Advantage Classic MasterCard ‐ Fly BuysBNZ

‐‐1:405520.95% ‐40Advantage Classic Visa ‐ Fly BuysBNZ

‐‐1:1505519.95% ‐NilPurple Visa CardWarehouse Money

‐‐2:15520.95% ‐125hotpoints Pla num MasterCardWestpac

Credit Card Star Ratings 2016 - Page 4Report Date: December 2016. (All information is correct as at December 2016) *Rate as at 15th November, 2016. ^Annualised fee where applicable.

Page 10: Credit Cards Star Ratings€¦ · American Express Air New Zealand Card 19.95% N/A Nil ‐ 55 2,000 ‐ 25,000 Kiwibank Airpoints Low Fee MasterCard 16.90% 22.95% 25 ‐ 44 500+ Warehouse

Annual Fee^ ($)

Credit Card Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company ProductPurchase Rate p.a*

Spend To Waive Fee 

($)

Points Per $1

No Cap

Start ($)

End ($)

Rewards $24,000 Annual Spend

Interest Free Days

Rewards Available

Merch‐andise

Travel Voucher Cashback

5,000005520.95% ‐125Cashback Pla num MasterCardANZ Bank

9,9995,0000.5

‐9,9991

5,000005520.95% ‐125Cashback Visa Pla numANZ Bank

9,9995,0000.5

‐9,9991

‐‐1:1505520.95% ‐44VisaASB Bank

‐‐1:1305520.95% ‐100Visa GoldASB Bank

‐‐1:1005519.95% ‐150Visa Pla numASB Bank

‐‐1:1505520.95% ‐40Advantage Classic MasterCard ‐ Cash RewardsBNZ

‐‐1:1505520.95% ‐40Advantage Classic Visa ‐ Cash RewardsBNZ

‐‐15520.95% ‐44hotpoints MasterCardWestpac

‐‐15519.95% ‐149Pla num Edge Credit CardAmerican Express

‐‐150Charge Card ‐98Charge CardDiners Club New Zealand

‐‐14419.95% ‐98Personal Credit CardDiners Club New Zealand

Credit Card Star Ratings 2016 - Page 5Report Date: December 2016. (All information is correct as at December 2016) *Rate as at 15th November, 2016. ^Annualised fee where applicable.

Page 11: Credit Cards Star Ratings€¦ · American Express Air New Zealand Card 19.95% N/A Nil ‐ 55 2,000 ‐ 25,000 Kiwibank Airpoints Low Fee MasterCard 16.90% 22.95% 25 ‐ 44 500+ Warehouse

Annual Fee^ ($)

Credit Card Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company ProductPurchase Rate p.a*

Spend To Waive Fee 

($)

Points Per $1

No Cap

Start ($)

End ($)

Rewards $24,000 Annual Spend

Interest Free Days

Rewards Available

Merch‐andise

Travel Voucher Cashback

‐‐2:10Charge Card ‐1,250Pla num CardAmerican Express

‐‐3:14416.95% 100,000390hotpoints World MasterCardWestpac

Credit Card Star Ratings 2016 - Page 6Report Date: December 2016. (All information is correct as at December 2016) *Rate as at 15th November, 2016. ^Annualised fee where applicable.

Page 12: Credit Cards Star Ratings€¦ · American Express Air New Zealand Card 19.95% N/A Nil ‐ 55 2,000 ‐ 25,000 Kiwibank Airpoints Low Fee MasterCard 16.90% 22.95% 25 ‐ 44 500+ Warehouse

Annual Fee^ ($)

Credit Card Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company ProductPurchase Rate p.a*

Spend To Waive Fee 

($)

Points Per $1

No Cap

Start ($)

End ($)

Rewards $60,000 Annual Spend

Interest Free Days

Rewards Available

Merch‐andise

Travel Voucher Cashback

"Outstanding Value"

‐‐1:755518.95% ‐145Advantage Visa Pla num ‐ Cash RewardsBNZ

‐‐1:155518.95% ‐145Advantage Visa Pla num ‐ Fly BuysBNZ

‐‐3:14416.95% 100,000390hotpoints World MasterCardWestpac

5,000005520.95% ‐125Cashback Pla num MasterCardANZ Bank

9,9995,0000.5

‐9,9991

5,000005520.95% ‐125Cashback Visa Pla numANZ Bank

9,9995,0000.5

‐9,9991

‐‐1:1005519.95% ‐150Visa Pla numASB Bank

999,99901:105519.99% ‐65Onecard VisaGem

‐‐2:15520.95% ‐125hotpoints Pla num MasterCardWestpac

‐‐1:1505520.95% ‐44VisaASB Bank

‐‐1:1305520.95% ‐100Visa GoldASB Bank

Credit Card Star Ratings 2016 - Page 7Report Date: December 2016. (All information is correct as at December 2016) *Rate as at 15th November, 2016. ^Annualised fee where applicable.

Page 13: Credit Cards Star Ratings€¦ · American Express Air New Zealand Card 19.95% N/A Nil ‐ 55 2,000 ‐ 25,000 Kiwibank Airpoints Low Fee MasterCard 16.90% 22.95% 25 ‐ 44 500+ Warehouse

Annual Fee^ ($)

Credit Card Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company ProductPurchase Rate p.a*

Spend To Waive Fee 

($)

Points Per $1

No Cap

Start ($)

End ($)

Rewards $60,000 Annual Spend

Interest Free Days

Rewards Available

Merch‐andise

Travel Voucher Cashback

‐‐1:1505520.95% ‐40Advantage Classic MasterCard ‐ Cash RewardsBNZ

‐‐1:405520.95% ‐40Advantage Classic MasterCard ‐ Fly BuysBNZ

‐‐1:1505520.95% ‐40Advantage Classic Visa ‐ Cash RewardsBNZ

‐‐1:405520.95% ‐40Advantage Classic Visa ‐ Fly BuysBNZ

‐‐1:1505519.95% ‐NilPurple Visa CardWarehouse Money

‐‐15519.95% ‐149Pla num Edge Credit CardAmerican Express

5,000005520.95% ‐60Cashback MasterCardANZ Bank

9,9995,0000.5

30,0009,9991

5,000005520.95% ‐60Cashback VisaANZ Bank

9,9995,0000.5

30,0009,9991

‐‐150Charge Card ‐98Charge CardDiners Club New Zealand

‐‐14419.95% ‐98Personal Credit CardDiners Club New Zealand

‐‐15520.95% ‐44hotpoints MasterCardWestpac

Credit Card Star Ratings 2016 - Page 8Report Date: December 2016. (All information is correct as at December 2016) *Rate as at 15th November, 2016. ^Annualised fee where applicable.

Page 14: Credit Cards Star Ratings€¦ · American Express Air New Zealand Card 19.95% N/A Nil ‐ 55 2,000 ‐ 25,000 Kiwibank Airpoints Low Fee MasterCard 16.90% 22.95% 25 ‐ 44 500+ Warehouse

Annual Fee^ ($)

Credit Card Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company ProductPurchase Rate p.a*

Spend To Waive Fee 

($)

Points Per $1

No Cap

Start ($)

End ($)

Rewards $60,000 Annual Spend

Interest Free Days

Rewards Available

Merch‐andise

Travel Voucher Cashback

‐‐2:10Charge Card ‐1,250Pla num CardAmerican Express

Credit Card Star Ratings 2016 - Page 9Report Date: December 2016. (All information is correct as at December 2016) *Rate as at 15th November, 2016. ^Annualised fee where applicable.

Page 15: Credit Cards Star Ratings€¦ · American Express Air New Zealand Card 19.95% N/A Nil ‐ 55 2,000 ‐ 25,000 Kiwibank Airpoints Low Fee MasterCard 16.90% 22.95% 25 ‐ 44 500+ Warehouse

Annual Fee^ ($)

Credit Card Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company ProductPurchase Rate p.a*

Spend To Waive Fee 

($)

Points Per $1

No Cap

Start ($)

End ($)

Rewards $120,000 Annual Spend

Interest Free Days

Rewards Available

Merch‐andise

Travel Voucher Cashback

"Outstanding Value"

‐‐1:755518.95% ‐145Advantage Visa Pla num ‐ Cash RewardsBNZ

‐‐1:155518.95% ‐145Advantage Visa Pla num ‐ Fly BuysBNZ

‐‐3:14416.95% 100,000390hotpoints World MasterCardWestpac

5,000005520.95% ‐125Cashback Pla num MasterCardANZ Bank

9,9995,0000.5

‐9,9991

5,000005520.95% ‐125Cashback Visa Pla numANZ Bank

9,9995,0000.5

‐9,9991

‐‐1:1005519.95% ‐150Visa Pla numASB Bank

999,99901:105519.99% ‐65Onecard VisaGem

‐‐2:15520.95% ‐125hotpoints Pla num MasterCardWestpac

‐‐15519.95% ‐149Pla num Edge Credit CardAmerican Express

‐‐1:1505520.95% ‐44VisaASB Bank

Credit Card Star Ratings 2016 - Page 10Report Date: December 2016. (All information is correct as at December 2016) *Rate as at 15th November, 2016. ^Annualised fee where applicable.

Page 16: Credit Cards Star Ratings€¦ · American Express Air New Zealand Card 19.95% N/A Nil ‐ 55 2,000 ‐ 25,000 Kiwibank Airpoints Low Fee MasterCard 16.90% 22.95% 25 ‐ 44 500+ Warehouse

Annual Fee^ ($)

Credit Card Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company ProductPurchase Rate p.a*

Spend To Waive Fee 

($)

Points Per $1

No Cap

Start ($)

End ($)

Rewards $120,000 Annual Spend

Interest Free Days

Rewards Available

Merch‐andise

Travel Voucher Cashback

‐‐1:1305520.95% ‐100Visa GoldASB Bank

‐‐1:1505520.95% ‐40Advantage Classic MasterCard ‐ Cash RewardsBNZ

‐‐1:405520.95% ‐40Advantage Classic MasterCard ‐ Fly BuysBNZ

‐‐1:1505520.95% ‐40Advantage Classic Visa ‐ Cash RewardsBNZ

‐‐1:405520.95% ‐40Advantage Classic Visa ‐ Fly BuysBNZ

‐‐1:1505519.95% ‐NilPurple Visa CardWarehouse Money

5,000005520.95% ‐60Cashback MasterCardANZ Bank

9,9995,0000.5

30,0009,9991

5,000005520.95% ‐60Cashback VisaANZ Bank

9,9995,0000.5

30,0009,9991

‐‐150Charge Card ‐98Charge CardDiners Club New Zealand

‐‐14419.95% ‐98Personal Credit CardDiners Club New Zealand

‐‐15520.95% ‐44hotpoints MasterCardWestpac

Credit Card Star Ratings 2016 - Page 11Report Date: December 2016. (All information is correct as at December 2016) *Rate as at 15th November, 2016. ^Annualised fee where applicable.

Page 17: Credit Cards Star Ratings€¦ · American Express Air New Zealand Card 19.95% N/A Nil ‐ 55 2,000 ‐ 25,000 Kiwibank Airpoints Low Fee MasterCard 16.90% 22.95% 25 ‐ 44 500+ Warehouse

Annual Fee^ ($)

Credit Card Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company ProductPurchase Rate p.a*

Spend To Waive Fee 

($)

Points Per $1

No Cap

Start ($)

End ($)

Rewards $120,000 Annual Spend

Interest Free Days

Rewards Available

Merch‐andise

Travel Voucher Cashback

‐‐2:10Charge Card ‐1,250Pla num CardAmerican Express

Credit Card Star Ratings 2016 - Page 12Report Date: December 2016. (All information is correct as at December 2016) *Rate as at 15th November, 2016. ^Annualised fee where applicable.

Page 18: Credit Cards Star Ratings€¦ · American Express Air New Zealand Card 19.95% N/A Nil ‐ 55 2,000 ‐ 25,000 Kiwibank Airpoints Low Fee MasterCard 16.90% 22.95% 25 ‐ 44 500+ Warehouse

Annual

Fee^ ($)

Credit Card Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company ProductPurchase

Rate p.a*

Spend To

Waive Fee

($)No Cap

Interest Free

Days

Effec&ve Airline Earn Rates

QantasSingaporeAir New

ZealandMalaysiaVelocity FlyBuys

Flight Rewards $12,000 Annual Spend

"Outstanding Value"�����

American Express Air New Zealand Card 19.95% Nil - 55 1:100✔

American Express Pla�num Edge Credit Card 19.95% 149 - 55 1:175 0.50 0.50 0.50 0.50✔

����

Kiwibank Airpoints Low Fee MasterCard 16.90% 25 - 44 1:160✔

Kiwibank Airpoints Standard MasterCard 20.95% 65 - 44 1:120✔

Westpac Airpoints MasterCard 20.95% 55 - 55 1:120✔

���

ANZ Bank Airpoints Visa 20.95% 65 - 44 1:120✔

ANZ Bank Airpoints Visa Pla�num 20.95% 150 - 44 1:75✔

Kiwibank Airpoints Pla�num MasterCard 20.95% 150 - 44 1:75✔

Westpac Airpoints Pla�num MasterCard 20.95% 145 - 44 1:75✔

��

ANZ Bank Qantas Visa 20.95% 75 - 44 1.00✔

Credit Card Star Ratings 2016 - Page 1Report Date: December, 2016. (All information is correct as at November, 2016) *Rate as at 15th Novermber, 2016. ^Annualised fee where applicable.

Page 19: Credit Cards Star Ratings€¦ · American Express Air New Zealand Card 19.95% N/A Nil ‐ 55 2,000 ‐ 25,000 Kiwibank Airpoints Low Fee MasterCard 16.90% 22.95% 25 ‐ 44 500+ Warehouse

Annual

Fee^ ($)

Credit Card Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company ProductPurchase

Rate p.a*

Spend To

Waive Fee

($)No Cap

Interest Free

Days

Effec&ve Airline Earn Rates

QantasSingaporeAir New

ZealandMalaysiaVelocity FlyBuys

Flight Rewards $12,000 Annual Spend

��

BNZ Advantage Classic MasterCard - Fly Buys 20.95% 40 - 55 1:40✔

BNZ Advantage Classic Visa - Fly Buys 20.95% 40 - 55 1:40✔

American Express Airpoints Pla�num Card 19.95% 195 - 55 1:59✔

American Express Pla�num Card Charge Card 1,250 - 0 1:87.5 1.00 1.00 1.00 1.00✔

ANZ Bank Qantas Visa Pla�num 20.95% 150 - 44 1.00✔

BNZ Advantage Visa Pla�num - Fly Buys 18.95% 145 - 55 1:15✔

Diners Club New Zealand Charge Card Charge Card 98 - 50 ✔

Diners Club New Zealand Personal Credit Card 19.95% 98 - 44 ✔

Westpac Airpoints World MasterCard 16.95% 390 100,000 44 1:65✔

Credit Card Star Ratings 2016 - Page 2Report Date: December, 2016. (All information is correct as at November, 2016) *Rate as at 15th Novermber, 2016. ^Annualised fee where applicable.

Page 20: Credit Cards Star Ratings€¦ · American Express Air New Zealand Card 19.95% N/A Nil ‐ 55 2,000 ‐ 25,000 Kiwibank Airpoints Low Fee MasterCard 16.90% 22.95% 25 ‐ 44 500+ Warehouse

Annual

Fee^ ($)

Credit Card Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company ProductPurchase

Rate p.a*

Spend To

Waive Fee

($)No Cap

Interest Free

Days

Effec&ve Airline Earn Rates

QantasSingaporeAir New

ZealandMalaysiaVelocity FlyBuys

Flight Rewards $24,000 Annual Spend

"Outstanding Value"�����

American Express Pla�num Edge Credit Card 19.95% 149 - 55 1:175 0.50 0.50 0.50 0.50✔

ANZ Bank Airpoints Visa Pla�num 20.95% 150 - 44 1:75✔

Kiwibank Airpoints Pla�num MasterCard 20.95% 150 - 44 1:75✔

Westpac Airpoints Pla�num MasterCard 20.95% 145 - 44 1:75✔

����

American Express Air New Zealand Card 19.95% Nil - 55 1:100✔

American Express Airpoints Pla�num Card 19.95% 195 - 55 1:59✔

Kiwibank Airpoints Standard MasterCard 20.95% 65 - 44 1:120✔

Westpac Airpoints MasterCard 20.95% 55 - 55 1:120✔

���

ANZ Bank Airpoints Visa 20.95% 65 - 44 1:120✔

ANZ Bank Qantas Visa Pla�num 20.95% 150 - 44 1.00✔

BNZ Advantage Visa Pla�num - Fly Buys 18.95% 145 - 55 1:15✔

Kiwibank Airpoints Low Fee MasterCard 16.90% 25 - 44 1:160✔

Credit Card Star Ratings 2016 - Page 3Report Date: December, 2016. (All information is correct as at November, 2016) *Rate as at 15th Novermber, 2016. ^Annualised fee where applicable.

Page 21: Credit Cards Star Ratings€¦ · American Express Air New Zealand Card 19.95% N/A Nil ‐ 55 2,000 ‐ 25,000 Kiwibank Airpoints Low Fee MasterCard 16.90% 22.95% 25 ‐ 44 500+ Warehouse

Annual

Fee^ ($)

Credit Card Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company ProductPurchase

Rate p.a*

Spend To

Waive Fee

($)No Cap

Interest Free

Days

Effec&ve Airline Earn Rates

QantasSingaporeAir New

ZealandMalaysiaVelocity FlyBuys

Flight Rewards $24,000 Annual Spend

��

ANZ Bank Qantas Visa 20.95% 75 - 44 1.00✔

BNZ Advantage Classic MasterCard - Fly Buys 20.95% 40 - 55 1:40✔

BNZ Advantage Classic Visa - Fly Buys 20.95% 40 - 55 1:40✔

American Express Pla�num Card Charge Card 1,250 - 0 1:87.5 1.00 1.00 1.00 1.00✔

Diners Club New Zealand Charge Card Charge Card 98 - 50 ✔

Diners Club New Zealand Personal Credit Card 19.95% 98 - 44 ✔

Westpac Airpoints World MasterCard 16.95% 390 100,000 44 1:65✔

Credit Card Star Ratings 2016 - Page 4Report Date: December, 2016. (All information is correct as at November, 2016) *Rate as at 15th Novermber, 2016. ^Annualised fee where applicable.

Page 22: Credit Cards Star Ratings€¦ · American Express Air New Zealand Card 19.95% N/A Nil ‐ 55 2,000 ‐ 25,000 Kiwibank Airpoints Low Fee MasterCard 16.90% 22.95% 25 ‐ 44 500+ Warehouse

Annual

Fee^ ($)

Credit Card Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company ProductPurchase

Rate p.a*

Spend To

Waive Fee

($)No Cap

Interest Free

Days

Effec&ve Airline Earn Rates

QantasSingaporeAir New

ZealandMalaysiaVelocity FlyBuys

Flight Rewards $60,000 Annual Spend

"Outstanding Value"�����

American Express Airpoints Pla�num Card 19.95% 195 - 55 1:59✔

ANZ Bank Airpoints Visa Pla�num 20.95% 150 - 44 1:75✔

Kiwibank Airpoints Pla�num MasterCard 20.95% 150 - 44 1:75✔

Westpac Airpoints Pla�num MasterCard 20.95% 145 - 44 1:75✔

����

American Express Pla�num Edge Credit Card 19.95% 149 - 55 1:175 0.50 0.50 0.50 0.50✔

Westpac Airpoints World MasterCard 16.95% 390 100,000 44 1:65✔

���

American Express Air New Zealand Card 19.95% Nil - 55 1:100✔

ANZ Bank Airpoints Visa 20.95% 65 - 44 1:120✔

BNZ Advantage Visa Pla�num - Fly Buys 18.95% 145 - 55 1:15✔

Kiwibank Airpoints Low Fee MasterCard 16.90% 25 - 44 1:160✔

Kiwibank Airpoints Standard MasterCard 20.95% 65 - 44 1:120✔

Westpac Airpoints MasterCard 20.95% 55 - 55 1:120✔

Credit Card Star Ratings 2016 - Page 5Report Date: December, 2016. (All information is correct as at November, 2016) *Rate as at 15th Novermber, 2016. ^Annualised fee where applicable.

Page 23: Credit Cards Star Ratings€¦ · American Express Air New Zealand Card 19.95% N/A Nil ‐ 55 2,000 ‐ 25,000 Kiwibank Airpoints Low Fee MasterCard 16.90% 22.95% 25 ‐ 44 500+ Warehouse

Annual

Fee^ ($)

Credit Card Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company ProductPurchase

Rate p.a*

Spend To

Waive Fee

($)No Cap

Interest Free

Days

Effec&ve Airline Earn Rates

QantasSingaporeAir New

ZealandMalaysiaVelocity FlyBuys

Flight Rewards $60,000 Annual Spend

��

ANZ Bank Qantas Visa 20.95% 75 - 44 1.00✔

ANZ Bank Qantas Visa Pla�num 20.95% 150 - 44 1.00✔

BNZ Advantage Classic MasterCard - Fly Buys 20.95% 40 - 55 1:40✔

BNZ Advantage Classic Visa - Fly Buys 20.95% 40 - 55 1:40✔

American Express Pla�num Card Charge Card 1,250 - 0 1:87.5 1.00 1.00 1.00 1.00✔

Diners Club New Zealand Charge Card Charge Card 98 - 50 ✔

Diners Club New Zealand Personal Credit Card 19.95% 98 - 44 ✔

Credit Card Star Ratings 2016 - Page 6Report Date: December, 2016. (All information is correct as at November, 2016) *Rate as at 15th Novermber, 2016. ^Annualised fee where applicable.

Page 24: Credit Cards Star Ratings€¦ · American Express Air New Zealand Card 19.95% N/A Nil ‐ 55 2,000 ‐ 25,000 Kiwibank Airpoints Low Fee MasterCard 16.90% 22.95% 25 ‐ 44 500+ Warehouse

Annual

Fee^ ($)

Credit Card Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company ProductPurchase

Rate p.a*

Spend To

Waive Fee

($)No Cap

Interest Free

Days

Effec&ve Airline Earn Rates

QantasSingaporeAir New

ZealandMalaysiaVelocity FlyBuys

Flight Rewards $120,000 Annual Spend

"Outstanding Value"�����

American Express Airpoints Pla�num Card 19.95% 195 - 55 1:59✔

ANZ Bank Airpoints Visa Pla�num 20.95% 150 - 44 1:75✔

Kiwibank Airpoints Pla�num MasterCard 20.95% 150 - 44 1:75✔

Westpac Airpoints Pla�num MasterCard 20.95% 145 - 44 1:75✔

Westpac Airpoints World MasterCard 16.95% 390 100,000 44 1:65✔

����

American Express Pla�num Edge Credit Card 19.95% 149 - 55 1:175 0.50 0.50 0.50 0.50✔

BNZ Advantage Visa Pla�num - Fly Buys 18.95% 145 - 55 1:15✔

Kiwibank Airpoints Standard MasterCard 20.95% 65 - 44 1:120✔

Westpac Airpoints MasterCard 20.95% 55 - 55 1:120✔

���

American Express Air New Zealand Card 19.95% Nil - 55 1:100✔

ANZ Bank Airpoints Visa 20.95% 65 - 44 1:120✔

ANZ Bank Qantas Visa Pla�num 20.95% 150 - 44 1.00✔

Credit Card Star Ratings 2016 - Page 7Report Date: December, 2016. (All information is correct as at November, 2016) *Rate as at 15th Novermber, 2016. ^Annualised fee where applicable.

Page 25: Credit Cards Star Ratings€¦ · American Express Air New Zealand Card 19.95% N/A Nil ‐ 55 2,000 ‐ 25,000 Kiwibank Airpoints Low Fee MasterCard 16.90% 22.95% 25 ‐ 44 500+ Warehouse

Annual

Fee^ ($)

Credit Card Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company ProductPurchase

Rate p.a*

Spend To

Waive Fee

($)No Cap

Interest Free

Days

Effec&ve Airline Earn Rates

QantasSingaporeAir New

ZealandMalaysiaVelocity FlyBuys

Flight Rewards $120,000 Annual Spend

���

Kiwibank Airpoints Low Fee MasterCard 16.90% 25 - 44 1:160✔

��

American Express Pla�num Card Charge Card 1,250 - 0 1:87.5 1.00 1.00 1.00 1.00✔

ANZ Bank Qantas Visa 20.95% 75 - 44 1.00✔

BNZ Advantage Classic MasterCard - Fly Buys 20.95% 40 - 55 1:40✔

BNZ Advantage Classic Visa - Fly Buys 20.95% 40 - 55 1:40✔

Diners Club New Zealand Charge Card Charge Card 98 - 50 ✔

Diners Club New Zealand Personal Credit Card 19.95% 98 - 44 ✔

Credit Card Star Ratings 2016 - Page 8Report Date: December, 2016. (All information is correct as at November, 2016) *Rate as at 15th Novermber, 2016. ^Annualised fee where applicable.


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