Welcome to our Payment Cards area. There are so many different forms of credit card that it can be confusing to work out what you need. Which Way to Pay presents the information you need in a clear and concise way so that you can easily find the payment card you are looking for. Make sure you shop around and look at the detail in order to find the best payment card for you. Find your card today!


Compare Cards Products

There are many options available to you in New Zealand as far as credit cards go. There are many different types of cards and for each type, you can usually find numerous card companies and banks. Finding the right one could seem to be a daunting task – but with our useful comparisons and reviews, you can weigh up the options in your own time and find one that suits you. Simply click on the links below or visit our Info Library for FAQs.

Credit Cards

Many people in New Zealand have credit cards, but there are always better deals available and new offers to compare. You may find that numerous credit cards are becoming tough to manage – perhaps a single card with a good introductory offer on balance transfers could be a solution to consolidate your debts. If you are new to the credit card market, you have plenty of options available to you regardless of your credit history.

Many credit cards carry attractive benefits such as free insurance and emergency assistance 24/7. When choosing a card, make sure you consider all features including fees, the interest rates, offers and extras. Weigh up the advantages and disadvantages and think about your ability to manage a line of credit – will you keep up with your regular bills?

Reward Credit Cards

Looking for a bit more from a credit card? Reward credit cards offer great additional features on top of the classic card functions (worldwide acceptance, pay online, card security, line of credit). For using the card as normal you can collect rewards, such as air miles, concierge services or VIP lounge services. You may also benefit from discounted petrol or other great advantages.

The card works in that you collect points for purchases made – often, you will only be able to collect points on certain purchases but each card is different so it is worth finding out the terms when comparing offers on Which Way To Pay New Zealand! Get something back for spending money on your card with a reward credit card.

Prepaid Cards

Prepaid cards are hugely popular in New Zealand and Australia, as well as in other parts of the world. Prepaid cards offer a great alternative to regular credit cards and are available to all people, not just those with a good credit rating. The card is reloadable with your own funds and can be used within New Zealand and abroad, as well as online. Once the funds have been used, it is up to you to reload the card with money. The card can also be used to share money – it doesn’t have to be used by solely one person and some cards come with partner cards.

Prepaid cards are issued by the big credit card names such (Visa, MasterCard and Amex) so they are accepted worldwide.


Please note that Which Way To Pay New Zealand ( is not authorized to give personal financial advice under New Zealands financial services regulations, including the Financial Advisers Act (Securities Commission New Zealand).

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We are always looking at simpler ways of controlling our day to day spending , Transaction accounts are the simplest way this can be done .
30 August 2016
Which Way To Pay
As we all want to keep on top of our financial situation , Transaction accounts can do this for you .
Having the stress of money worries hanging over you day in day out is very stressful. Thats why Bad Credit loans could be your answer.
08 August 2015
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When it comes to keep being refused by banks and lenders for a solution to clear your debt once and for all . Bad Credit Loans are there to help.
When spending on your reward credit card , many different benefits whilst using this.
14 May 2015
Which Way To Pay
Make sure you get all the rewards you are entitled to with your Rewards Credit Cards.

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