Choosing the right credit card can be tough. This simple tool can help choose one based on the value of it's rewards scheme. Simply enter your expected annual expenditure on your credit card, the table will auto fill and you can sort by the Net Value column. Use the graph below to compare different cards at different spending rates by ticking them in the table.

Values correct as of 1 Oct 2011, some points values are estimates only.

EnableBankCardType of PointsPoints per dollarValue of pointsPointsValueAnnual FeeNet Value
BNZClassic Visa or MasterCardFlybuys0.02$0.120$0.00$30-$30.00
BNZClassic American ExpressFlybuys0.04$0.120$0.00$30-$30.00
BNZGlobalPlus Visa or MasterCardAirpoints0.006666667$10$0.00$55-$55.00
BNZGlobal Plus American ExpressAirpoints0.01$10$0.00$55-$55.00
BNZGold Visa or MasterCardFlybuys0.025$0.120$0.00$80-$80.00
BNZGold American ExpressFlybuys0.05$0.120$0.00$80-$80.00
BNZGlobalPlus Gold Visa or MasterCardAirpoints0.01$10$0.00$105-$105.00
BNZGlobalPlus Gold American ExpressAirpoints0.015$10$0.00$105-$105.00
BNZAll Blacks MasterCardFlybuys0.025$0.120$0.00$48-$48.00
BNZBNZ Platinum VisaFlybuys0.05$0.120$0.00$175-$175.00
BNZGlobalPlus Platinum VisaAirpoints0.011111111$10$0.00$200-$200.00
WestpacVisa or MasterCardHotpoints1$0.0050$0.00$44-$44.00
WestpacAmerican ExpressHotpoints1.5$0.0050$0.00$44-$44.00
WestpacGold Visa or MasterCardHotpoints1.25$0.0050$0.00$100-$100.00
WestpacGold American ExpressHotpoints1.75$0.0050$0.00$100-$100.00
WestpacTitanium MasterCardHotpoints1.5$0.0050$0.00$290-$290.00
WestpacPremium American ExpressHotpoints2$0.0050$0.00$290-$290.00
ANZAirpoints VisaAirpoints0.006896552$10$0.00$50-$50.00
ANZAirpoints Visa PlatinumAirpoints0.0125$10$0.00$125-$125.00
ANZWorld VisaWorld Points1$0.0050$0.00$65-$65.00
ANZWorld Visa PlatinumWorld Points2$0.0050$0.00$150-$150.00
NationalThoroughbred CardCashback0.01$10$0.00$45-$45.00
NationalGold Thoroughbred CardCashback0.01$10$0.00$95-$95.00
NationalPlatinum Visa CardPlatinum Points2$0.0050$0.00$125-$125.00
ASBVisa or MasterCardTrue Rewards0.006666667$10$0.00$48-$48.00
ASBGold Visa or MasterCardTrue Rewards0.007692308$10$0.00$80-$80.00
ASBPlatinum VisaTrue Rewards0.01$10$0.00$85-$85.00
KiwibankGo Fly StandardAirpoints0.006666667$10$0.00$56-$56.00
KiwibankGo Fly GoldAirpoints0.01$10$0.00$98-$98.00
KiwibankGo Fly PlatinumAirpoints0.011111111$10$0.00$130-$130.00

Created by Brendan Vercoelen