💳 Credit Cards
The concepts you need to use credit cards and debit cards in New Zealand without surprises — the annual interest rate, the cost of credit and the difference that matters at the end of the month.
How credit cards work in New Zealand
Interest-free days, the statement, the minimum payment and interest — how a credit card works step by step, and how to use it without it costing you anything.
Read the article →The annual interest rate and the cost of credit: how to compare
New Zealand does not use a single 'APR' figure, but lenders must disclose the annual interest rate and all fees. How to add them up and compare loans and cards fairly.
Read the article →Credit card, EFTPOS or debit card: which should you use?
EFTPOS and debit cards take the money straight away, credit cards give interest-free days and stronger purchase protection. How to choose a card for everyday spending, travel and online.
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