Credit cards

you can also check with your bank, most are now doing visa debit cards - which means you can use it like a credit card but you only use the money you already have without going into debt & I don't think it incurrs a c/c fee

I used one of these when I was in Australia and it was fantastic, no interest to pay only bought what we could afford

We have a BNZ one as we have our banking through them. They have the Visa Lite that only has 12.95% interest which is very low.

any of the cc that have rewards usually cost more over the year and also have higher interest rates so if you havn't paid it off you get stung.  The rewards are just gimmicks to get you to go with them.

unless you NEED the credit to buy something then def go with a debit card

Debit cards
Annual fee
	Westpac ATM/EFTPOS card	no fee
	Active card	no fee
	Debitplus Visa card	$10 per card
Additional Westpac ATM/EFTPOS card		no fee
Replacement card		$15 per card
Courier delivery in NZ/Overseas		Courier costs where applicable
Foreign currency fee *
	Westpac Debitplus Visa	2.50%
	Westpac or Active debit card	2.50%
Using an overseas ATM **
	cash withdrawals	NZ $8
	balance enquiries	60c
	declined transactions	60c

ANZ Everyday Visa Debit card

ANZ Everyday Visa Debit card gives you worldwide acceptance of Visa while accessing your own money. You can make purchases online, over the phone and overseas at more than 24 million outlets around the world.

ANZ Everyday Visa Debit card: No credit application necessary.

With an ANZ Visa Debit Card you will also get

• Unlimited ANZ transactions for $6 a month. This includes ANZ ATMs, EFTPOS, ANZ Phone and Internet Banking, and ANZ branch transactions¹.
• Full time students can also take advantage of a 50% discount on monthly account fees²

Managing your finances could be even easier by directly depositing your salary or other payments into your ANZ Everyday Visa Debit account. ANZ's Online Guarantee offers protection on internet purchases plus ANZ Falcon™ monitoring of suspicious transactions.