List of Selected Credit Card Issuers in NZ – now with user-friendliness ratings

The following is a list of selected credit card issuers and products where applicable:

American Express, User-friendliness: 10 out of 10
ANZ – Visa, User-friendliness: 7 out of 10
ASB – Visa and Mastercard, User-friendliness: 10 out of 10
BankDirect – Visa, User-friendliness: 10 out of 10
BNZ – American Express, Visa and Mastercard, User-friendliness: 9 out of 10
Diners Club, User-friendliness: 10 out of 10
GE Money – GEM Visa, User-friendliness: 9 out of 10
HSBC – American Express, User-friendliness: 8 out of 10
Kiwibank – Mastercard, User-friendliness: 0 out of 10
National Bank – Visa, User-friendliness: 10 out of 10
TSB – Visa, User-friendliness: 8 out of 10
Westpac – Mastercard, User-friendliness: 1 out of 10

User-friendliness is a rating given by SurfNZ Finance based on card features, customer service ratings and a number of other criteria.

Note: Be wary of online credit card applications as each application results in a credit check and too many credit checks in a certain period of time may result in a “credit risk” rating from Veda Advantage (NZ credit bureau) even if you have no defaults and you were shopping around for a better interest rate.  Also, be especially careful of ASB as the online application may state you have been “Approved” at the end, reportedly however they may delay sending you your credit card for an indefinite period.  Additionally, the lending requirements appear to be stricter and the auto-approve limits are apparently much lower than they were pre-2007.

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