How we compare things
One page covering every comparison table on this site: where the numbers come from, how often they are checked, how we are paid, and how to tell us something is wrong.
Where the numbers come from
Figures are read from each issuer's own published pages on the date shown beside them. Account fees are annualised: ASB, BNZ and Kiwibank publish them half-yearly. Advertised standard rates only, so introductory offers, balance transfer rates and cash advance rates are excluded, because none of them is a complete measure of what the card costs to hold and use. The foreign currency column is the charge on a purchase made in another currency, which is not the same as a fee for taking cash out overseas. The table starts with published purchase rate in ascending order; readers can change the sort or filters, and the order is not a suitability rating. No issuer pays for placement.
How often they are checked
The oldest figure here was read 40 days ago.
When a figure is not published
Not checked: we have not read this figure yet. None: the issuer publishes that there is no such fee. Not published: the issuer does not publish this figure. Not offered: the provider does not offer that market or product.
What sorting does
The default sort is an objective fact column, stated on the page. You can re-sort on any column. Nothing else influences order: not sponsorship, not affiliate rates, not how much a provider pays us.
Where the word best is allowed
Only in an editorial pick, only with a label, and only with the test written next to it — for example, lowest purchase rate on this list. We never say a product is best for you, because we know nothing about you.
How we are paid
No link on a comparison table is paid for. Institutions can pay for a labelled profile, which never changes a figure or a rank.
Reporting an error
Use the button below with the row and the figure you think is wrong. We check it against the provider's page, correct it if needed, and reset the checked date. Corrections are not held back for any commercial reason.