New Zealand travel bubble: what are your credit card options?

young woman in airport flying to New Zealand

It’s been almost two weeks since the Trans-Tasman travel bubble opened up between Australia and New Zealand. 

With the option now available for quarantine-free travel for Aussies, many are looking to bungee jump, hit the slopes, or just soak in the scenery our neighbours to the south have to offer. 

So if you’re one of the ones that has the New Zealand travel itch, you may be asking yourself: what are my travel money options? (Bet you haven’t asked that question in a while!)  

So to give you a bit of a refresh, a travel credit card may be a good way to go. 

Whether it’s a card with no foreign exchange rate or a card that could earn you a tonne of points as you fly and spend, or both, it’s all about making sure you get the most out of your travel money option. 

What is the best credit card to use in New Zealand?

As we said, it depends on what you’re after when it comes to your overseas spending. 

If you simply want to save on foreign exchange fees every time you make a purchase, a card without this charge is the ideal choice.

There are a number of credit cards that have a foreign exchange charge, ranging from 1.50% to 3.65%. This means each time you make an international purchase you’ll be charged a percentage extra on top of the cost of the transaction. 

Currently on the Mozo database there are over 20 credit cards with a 0% foreign exchange margin. So if your current credit card charges you this fee, it could be worth making the switch. 

On the other hand, if you’re all about earning rewards points on your credit card, you may want to choose a card with a solid rewards program and even a top bonus points offer. 

On the Mozo database there are over 110 rewards credit cards to choose from. Of those, over 65 cards have bonus points attached to them ranging from 7,500 points to 200,000. 

It’s important to keep in mind that these bonus points offers come with spending requirements, so there’s no point applying for the card if you aren’t going to meet the conditions. Similarly, unless you’re heading to New Zealand later this year, your holiday will likely be a way to earn bonus points rather than use them. This is because after you apply for a bonus points credit card, the points are made available after a period indicated by the credit card provider, not upfront. 

There are also a number of credit cards options that have no foreign exchange fee as well as a killer rewards points program. So if you are savvy and snag one of these deals, you could be getting the best of both worlds on your NZ holiday. 

Plus, some of these cards might also come with complimentary travel insurance attached to them too, so it's worth keeping an eye out for that. 

Want to start comparing travel credit card options now? Check out these offers below or head to our credit card hub for even more!

Compare travel credit cards - rates updated daily

Search promoted credit cards below or do a full Mozo database search. Advertiser disclosure.
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    NAB Qantas Rewards Signature Card

    NABs fastest way to earn Qantas Points. 110,000 bonus Qantas Points when you spend $3,000 on everyday purchases within 60 days of account opening and keep the card open for 12 months. Access to 6 complimentary insurances when you make eligible purchases.

    Purchase rate
    Annual fee
    Rewards program
    Privileges
    19.99% p.a.
    $395 $295 in the first year
    Qantas Frequent Flyer
    Concierge,
    Extended Warranty,
    Purchase Protection,
    International Travel Insurance,
    Transit Accident Insurance,
    Interstate Flight Inconvenience Insurance,
    Rental Vehicle Excess in Australia Insurance
    Go to site
    Details
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    Great Southern Bank Platinum Credit Card

    0% p.a. balance transfer, $0 annual fee for the first year and also receive 1 rewards point for every dollar spent. Purchase protection insurance. Mozo Experts Choice Balance Transfer Platinum Credit Card Winner 2020^.

    Purchase rate
    Annual fee
    Rewards program
    Privileges
    19.99% p.a.
    $149 $0 in the first year
    CUA Platinum Rewards
    Travel Insurance,
    Purchase Protection
    Go to site
    Details
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    St.George Amplify Qantas Platinum

    Earn 60,000 bonus Qantas Points (min $3,000 spend in the first 3 months). New cards only, Eligibility criteria and T&Cs apply. Offer ends 28th September 2021.

    Purchase rate
    Annual fee
    Rewards program
    Privileges
    19.74% p.a.
    $99
    Qantas Frequent Flyer
    Travel Insurance,
    Extended Warranty,
    Purchase Protection
    Go to site
    Details
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    HSBC Platinum Credit Card

    0%p.a. on balance transfers for 36 months with no balance transfer fee. Terms and Conditions apply. Mozo Experts Choice Premium Rewards and Balance Transfer Platinum Credit Card Winner 2020.

    Purchase rate
    Annual fee
    Rewards program
    Privileges
    19.99% p.a.
    $129 $29 in the first year
    Rewards Plus
    Concierge,
    Travel Insurance,
    Extended Warranty,
    Purchase Protection
    Go to site
    Details
  • Apply By 7 September 2021
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    Westpac Altitude Platinum

    Earn up to 80,000 bonus Altitude Points, worth up to $350 of eGift cards ($3k min. spend in the first 90 days on eligible purchases). Enjoy up to 45 days interest free with a 0% balance transfer for 18 months (rate then reverts to 21.49% after). 1% BT fee. Only $99 annual card fee for the first year, $150 thereafter.

    Purchase rate
    Annual fee
    Rewards program
    Privileges
    20.49% p.a.
    $150 $99 in the first year
    Altitude Rewards
    Travel Insurance,
    Extended Warranty,
    Purchase Protection
    Go to site
    Details
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    Bankwest Breeze Platinum Mastercard

    Streamline your budget with 0% p.a on balance transfers for 15 months then 9.90% thereafter. No annual fee for the first year. Awarded two Mozo Experts Choice Awards in 2020 for best Low Rate Platinum Credit Card and best Balance Transfer Platinum Credit Card^. Limited time only. Other fees, T&Cs apply. New Breeze Mastercard customers only.

    Purchase rate
    Annual fee
    Rewards program
    Privileges
    0% p.a. for 15 months then 9.90% p.a.
    $69 $0 in the first year
    -
    Travel Insurance,
    Extended Warranty,
    Purchase Protection
    Go to site
    Details

^See information about the Mozo Experts Choice Credit Card Awards

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