6 Best Travel Money Cards for New Zealand in 2024

Wise Travel Card

• Cross currency conversion fees are between 0.24–3.69%. AUD to USD, EUR or GBP was 0.42%, which is one of the lowest on the market
• Free cash withdrawals up to $350 every 30 days. However after that, Wise Card charge a fixed fee of $1.50 per transaction + 1.75%
• Daily ATM withdrawal is $2,700
• Issue up to 3 virtual cards for temporary usage
• It takes between 7 to 14 business days to receive your card
• Can be used wherever MasterCard is accepted

For those traveling to New Zealand, the Wise Travel Card offers a suite of benefits that are particularly well-suited for their travel needs. A standout feature of this card is the access it provides to over 40 currencies at the intermarket exchange rate, globally renowned for being the most cost-effective rate. However if you use ATMs frequently this is not the card to use due to the fees. Finally Wise Travel Card lets you transfer money to an overseas bank account with extremely low fees and the best exchange rate.

Revolut Travel Card

• No fee ATM withdrawals up to A$350, or 5 ATM withdrawals, whichever comes first, per rolling 30 day period and 2% of withdrawal amount (minimum charge of A$1.50) after that
• Exchanging currency on the weekend can incur a 1% mark-up fee
• Fees on international money transfers were introduced in April 2021.
• Can be used wherever Visa is accepted

The Revolut Travel Card is a decent option for those who travel a lot as it offers over 30 currencies at a great exchange rate, which is the cheapest rate globally. However if you exchange currency on the weekend you can incur a one-percent mark-up fee. In addition they have introduced fees for international transfers. Finally if you use ATMs frequently this is not the card to use due to the fees.

Travelex Money Card

Minimum load of $100 and maximum load of $100,000

Can be used wherever Mastercard is accepted

Fees include a $10 closure fee, $5 for an additional card and $4 inactivity monthly fee.

While Travelex don't charge ATM fees, some ATM operators may charge their own fees.

Currencies that can be loaded are AU$, US$, EU€, GB£, NZ$, TH฿, CA$, HK$, JP¥, SG$

If your card is lost or stolen you can access cash in your account through Moneygram or Western Union agents, with no charge

Boingo hotspots offer free wifi and you can look at their number of free hotspots per country on this map

The Travelex Money Card is a good all-rounder no matter if you are heading to the vibrant cities of Auckland or Wellington, or exploring the stunning landscapes of the South Island.

You can use it to take money out of the ATM, for merchant purchases like restaurants and even for online shopping in foreign currency. While the exchange rates aren't as good as Wise or Revolut abroad, the support network if the card is lost or stolen is very good. This perk can be especially handy while experiencing the majestic sights of New Zealand.

Australia Post Travel Money Card - Platinum Mastercard

Currencies that can be loaded are NZD, AUD, USD, EUR, GBP, THB, CAD, HKD, JPY, SGD and AED

1.1% Admin fee for instore loads, including initial load

$5 fee for reloads via debit bank card

$10 closure fee

2.95% on withdrawals from Australian ATMs is expensive

$3.50 on withdrawals from overseas ATM is expensive

$3.99 + 5.95% fee on cross currency transactions

Can be used wherever Mastercard is accepted

Min load of $100 and max of $100,000

If your card is lost or stolen you can access cash that is in your account through MoneyGram or Western Union agents, with no charge

Boingo hotspots offer the free wifi and you can look at their number of free hotspots per country on this map

The Australia Post Travel Platinum travel money card is the best of the prepaid cards in New Zealand as its exchange rate for New Zealand dollars is best when compared to Travelex, Commonwealth bank, HSBC or Citibank travel cards.

To avoid the fees on this card we advise to deposit a small amount instore for your initial load and deposit the rest by bank transfer to avoid fees. In addition we recommend this card for tap, swipe or insert card transactions only like paying for hotels, restaurants and entertainment. Do not use it for ATM withdrawals as the fees are expensive and avoidable if you use a different card like the Macquarie Transaction card.

ANZ Rewards Travel Adventures Credit Card

11 Currencies can be loaded are NZD, AUD, USD, EUR, GBP, CAD, HKD, JPY, SGD, THB & ZAR

$2,000 maximum limit on ATM withdrawals overseas within 24 hours

$50,000 maximum limit on currencies loaded on to travel card

No cross currency transactions fees

Flight delay pass

Lock in exchange rates before you leave

$3 roughly for ATMs that are not within the Non Westpac Global Alliance

Can be used wherever Mastercard is accepted

According to the Westpac it can take up to 8 business days to receive the travel card

Secure from fraudulent transactions with Mastercard Zero Liability protection

2 cards per account for free

The Westpac Travel Money Card is the best card to take to New Zealand offered by the 4 major banks in Australia due to its low exchange rate for New Zealand dollars.

In addition it has very low fees, no foreign transaction fees, access to some free ATMs worldwide. Finally it has access to a flight delay pass in case your flights are delayed and you need to access airport lounges.