Rating based on 35 reviews


  • Credit card comparison
  • Good deals for you
  • Low-interest starting from 25.5%

In-page navigation

interest.co.nz homepage
Author interest.co.nz. Screenshot of interest.co.nz website.
[Accessed April 17, 2018]

interest.co.nz- Affordable credit solutions

Credit cards give the holder access to a revolving line of credit that allows them to spend up to a certain limit. The credit card bill then needs to be paid by the end of the month once the bill is paid the client will have access to the funds once again.

If the client only pays a portion of their credit card bill then the balance will be charged and interest will be added. A credit card can really help you financially if you use the card correctly. You need to have self-disciple and not be tempted to use your credit cards for the wrong purpose or for impulse shopping.

Credit cards vs personal loans

Some people use a credit card when they need some extra cash instead of applying for a personal loan. A personal loan will cost you a lot more while a credit card could allow you to borrow money interest-free and you will have access to the funds once again as soon as you have paid a portion of the bill.

Most credit cards also come with rewards for purchases and you will save money on interest. Credit cards are very convenient and it is much easier to be approved for a credit card than it is to be approved for a personal or vehicle loan. Credit cards do typically charge a higher interest rate but if the interest-free period is long enough you can make it work in your favour.

interest.co.nz Services

Some credit cards offer rewards in exchange for a monthly service fee, while others have rewards that expire and can’t be transferred.

It is important to weigh your options and find the right solution for your needs.

Understand credit rate fees and charges

Before deciding on which credit card is the right one for you, you need to understand the terms associated with the card.

An interest-free introductory offer may seem like an amazing deal but what does the rate revert back to once the offer is over?

Does the card carry huge penalties for skipping payments or for only paying off a portion of the account? A credit card can be used to improve your credit score or build up a credit history.

If you make payments on your credit card bill every month and never miss a payment then your credit record will reflect this and you will have a positive credit rating.

However, if you miss a payment interest-free this will be recorded and that will have a negative impact on your credit score.

interest.co.nz – Credit card

  • Loan Type Credit cards
  • Interest Rate from 25.5%

Benefits of interest.co.nz

  • Interest rates are competitive
  • Save with credit card comparison
  • Easy loan application

interest.co.nz - Rewarding our clients

Credit cards offer great rewards programs with something to cater to interest-free to everyone.

Some cards allow you to build up rewards points that can be exchanged for special offers or discounts. The biggest problem with rewards cards is that you need to use your card in order to accumulate points this could tempt you to overspend to reach a certain level or buy things just because you will be getting points.

If you travel a lot it may be a good idea for you to opt for a credit card that offers rewards on flights purchased, free travel insurance or that interest-free free currency exchange. There are many different credit cards that are expected worldwide and can be used to purchase just about anything.

Keep your cash safe with a credit card

Carrying around a wallet full of cash has become a thing of the past. These days credit cards are excepted almost everywhere and it has become less of a hassle to carry around cash than just to swipe for what you need.

Criminals are becoming more and more clever and using scams to defraud people out of their hard-earned money. Credit cards come with anti-fraud protection that helps keep your money safe. A credit card also helps you keep track of your spending and provides proof of purchases you have made.

Choosing a credit card that is right for you

When you decide on which credit card would be the best option for you, ask yourself what kind of spender you are? How much are you planning on spending on your card each month? Do you need access to constant credit or take out payday loans on a regular basis? Do you only spend on your credit card occasionally or are you a big spender?

Take control of your debt using your credit card

Use your credit card to help consolidate your debt. You can use a balance transfer credit card to combine all your debt into one account and pay off the bill at a much lower interest rate.

A credit card will help you keep track of your spending habits and help you figure out where you can cut down in order to start saving for your future.

By putting all your debt into one card you will save money and be able to manage your debt more easily. If possible set up an automatic transfer or debit so that you never miss a payment on your credit card and will continue to have a revolving line of credit when you need it most.

Customer Reviews & Testimonials

You can use the calculators to determine how much you can spend on your credit card and how much you will have to pay back which great cause you can always budget is.

Bruce N
— Auckland —

If you are looking for a card that will suit your daily needs and also your holiday needs then this is card for you.

Dawn T
— Christchurch —

If you looking for a company that you can trust with your finances then they are the company for you and they take the time to help you understand your card if you are unsure.

Jody F
— Wellington —

interest.co.nz Contact

Physical Address

Postal Address

  • PO Box 47-756, Ponsonby, Auckland, 1011, New Zealand

Opening Hours

  • not available