Best Rewards Cards in New Zealand

Wirex earns points for breadth: 150-plus supported cryptos, a Maltese IBAN, and no monthly fee at the base tier. The catch is that the headline 8% cryptoback is reserved for users willing to pay €29.99 a month and lock up over €11,000 in WXT. Free-tier users get a paltry 0.5% with a cap worth roughly €20 a month.

Wirex Ltd issues this card under a Lithuanian e-money licence on the Mastercard network. It is a custodial debit card denominated in euros. Both physical and virtual form factors appear unavailable at the time of writing, though Apple Pay is supported. Wirex auto-converts crypto holdings at the point of sale, charging a 2% conversion fee; FX fees are waived entirely. The card supports over 150 cryptocurrencies and is available across 37 countries including most of the EU, the UK, Australia, Singapore and Hong Kong. KYC is required. Cardholders receive a Maltese IBAN and a personal bank account, though third-party deposits are not accepted. Daily spend reaches 30,000 EUR and daily ATM withdrawals are capped at 500 EUR with a 2% ATM fee.

Wirex markets up to 8% cryptoback, but rewards are paid in WXT tokens rather than cash and the structure is heavily tiered. Free Standard users earn 0.5% cryptoback, capped at 10,000 WXT worth roughly 20 EUR per month. Reaching 1% requires either locking 150,000 WXT (around 300 EUR) or paying €9.99 a month for the Premium plan. The advertised 8% sits at the Elite-Ultimate tier, which costs €29.99 monthly plus a 7,500,000 WXT lockup worth approximately €11,400. A welcome bonus of 10 USD is offered. Typical free-tier users will see negligible real-world value from rewards given both the low rate and the WXT cap.

COCA Card stands out for pairing non-custodial control with a stablecoin-only spending model and 0% FX fees. The 1% free-tier cashback is honest and uncomplicated. The real catch is that meaningful rates start at 3% and climbing there requires staking thousands of euros in a native token, which adds both capital commitment and token price risk.

COCA Card runs on the Visa network and is denominated in EUR. It is a non-custodial debit card, meaning users retain control of their own funds. Both physical and virtual cards are available; the physical card costs a one-time €5, while the virtual card is free. Apple Pay is supported. The card accepts EURC, USDC, and USDT across seven blockchains, with preloading required rather than automatic conversion at point of sale. Conversion costs 0.6% and FX fees are 0%. The card is available in 75 countries. KYC is required. COCA also provides a personal IBAN and bank account held in Malta, with third-party deposits supported. Daily spend limits reach €30,000 and daily ATM withdrawals are capped at €850.

The free Starter tier pays 1% cashback in stablecoins, capped at €300 per month. Higher rates require staking $COCA tokens: 300 tokens unlocks 3% on the first €1,000 monthly then 1% above that; 1,000 tokens gives 4%; 3,000 tokens gives 5%; 10,000 tokens gives 6%; and 30,000 tokens (roughly €37,600) unlocks the headline 8% on the first €10,000 monthly. Cashback is distributed by the 10th of each month. Upper tiers also include 50% cashback on select subscription services such as streaming and AI tools, with more services unlocked at each level. A $10 welcome bonus applies to new users.

Kolo Card's 5% first-month cashback is a strong opening offer, but the permanent drop to 1% afterward is a significant step down. The $100 monthly cap limits value for heavy spenders. Virtual-only format and custodial setup are real constraints worth weighing.

The Kolo Card is issued by Rain out of Puerto Rico and runs on the Visa network. It is a custodial debit card available only as a physical card. The card supports Apple Pay. Funding works through auto-conversion from any of 15 supported cryptocurrencies across 7 blockchains, including BTC, ETH, SOL, USDC, and others. Conversion costs 0.32% per transaction, and a 1% FX fee applies to non-USD purchases. The card is denominated in USD and covers 172 countries. KYC is required to sign up. No personal bank account or IBAN is provided. Opening a card requires a 10 USDC deposit, which is fully spendable. Daily spend limit is $50,000. ATM withdrawals are not available.

Kolo Card pays Bitcoin cashback on all purchases. During your first month, every transaction earns 5% back in BTC, with a $5 cap per purchase and a $100 monthly cap. After that first month, the rate falls permanently to 1%, with a $1 cap per purchase and the same $100 monthly ceiling. A typical user spending $500 a month after the introductory period earns $5 in BTC cashback. The Bitcoin reward may appreciate over time if BTC rises, but that carries market risk. There are no tiers, staking requirements, or paid plans to unlock higher rates.

Non-custodial Visa cards are rare, and Tria pairs that with uncapped 1.5% cashback, which beats most entry-level competitors. The real catch is that cashback is not paid immediately but held until the Token Generation Event, making the reward timeline uncertain. The $90 physical card fee also stings.

The Tria Card is issued by Rain out of Puerto Rico and runs on the Visa network. It is a non-custodial debit card denominated in USD. Both physical and virtual cards are available, priced at $90 and $20 respectively, and the card supports Apple Pay. Funding requires a manual preload rather than automatic conversion; a 0.4% conversion fee applies when moving crypto to cover spending. The card supports USDC and USDT across six blockchains. It is available in 223 countries with no foreign transaction fee. KYC is required and no linked bank account or IBAN is provided. Daily spend limit is $1,000,000 and daily ATM withdrawal is capped at $750, with ATM fees of $1 plus 1% per withdrawal.

On the default Virtual tier ($2 per month), cardholders earn 1.5% USD cashback on the first $100 spent each period, then 0.5% beyond that, with no monthly cap. Higher tiers unlock better rates: Signature ($9 per month) pays 4.5% on the first $1,000 then 1%, and Premium ($21 per month) pays 6% on the first $2,000 then 1%. A typical user on the free-entry tier realistically earns close to the 0.5% ongoing rate for most of their spending. One important caveat: cashback is not distributed immediately and is scheduled for release after the project's Token Generation Event, so the timing is not guaranteed.

Ether.fi stands out for self-custody and zero conversion, FX, and monthly fees. The 3% cashback sounds impressive but the $60 monthly cap on the Core tier makes it largely symbolic. Unlocking meaningful cashback requires serious spending or a large $ETHFI stake.

The Ether.fi Card runs on the Visa network and operates as a non-custodial debit card denominated in USD. Both a physical card and a free virtual card are available, with the physical card costing $40. Apple Pay is supported. The card auto-converts stablecoins including USDC, USDT, frxUSD, and liquidUSD at zero conversion cost with no FX fee. It is available across 226 countries. KYC is required. Cardholders receive a US bank account and can accept third-party deposits, though no IBAN is provided. Daily spend limits are unlimited, and the daily ATM withdrawal limit is $750.

The Core tier pays 3% cashback on the first $2,000 of monthly spend, then drops to between 0.5% and 1% for the remainder, with a $1,000 monthly cashback cap overall. However, the entry cashback cap is effectively $60 per month, which means most everyday spenders will hit the ceiling quickly. Upgrading to Luxe or Pinnacle tiers raises the 3% window to $10,000 or $50,000 respectively, but access requires either accumulated points from heavy card spending or staking substantial amounts of $ETHFI tokens. A welcome promotion offers up to 15% cashback on dining, though this is time-limited. Cashback is paid in crypto.

A 2% uncapped base cashback rate is genuinely competitive, and the non-custodial setup is rare at this price point. The catch is real: rewards pay out in XPL tokens, not cash, and squeezing the best rates requires staking thousands of dollars worth of a native token most users have never heard of.

Plasma One is issued by Rain out of Puerto Rico and runs on the Visa network. It is a non-custodial prepaid card denominated in USD. The card ships as a physical card only, with no virtual card option, and supports Apple Pay. Funding is via manual preload using USDC or USDT across eight supported blockchains, with no auto-conversion from other crypto assets. There is no conversion cost, but a 1% FX fee applies at the base tier. The card is available in 227 countries and KYC is required. Cardholders receive a US bank account, enabling third-party deposits, though no IBAN is provided. The daily spend limit is a generous $1,000,000 USD. ATM withdrawals are not supported.

The base Lite tier pays 2% cashback on the first $500 of monthly spend, then drops to 0.1% with no cap beyond that threshold. Cashback is calculated in USD but paid weekly in XPL tokens, which must then be converted to access cash value. The Core tier at $10 per month raises the headline rate to 3% on the first $1,000 and adds AI-category cashback. The Platinum tier, gated behind roughly $9,000 in staked XPL, reaches 4% plus 10% on AI spend. A typical free-tier user realistically earns 2% on modest monthly spend, tapering sharply after $500. There are no fixed monthly earning caps beyond the tiered thresholds.

Non-custodial custody on a Visa debit card is genuinely uncommon and worth noting. The catch is that useful cashback requires locking up roughly $941 to $9,400 in $BASED tokens, and even then the monthly caps are tight. The free tier earns nothing until the Orange tier launches.

Based Card is issued by Fazz (Xfers) in Singapore and runs on the Visa network. It is a non-custodial debit card denominated in USD. Both a virtual card (free) and a physical card ($50) are available, and the card supports Apple Pay. Supported assets are SOL, USDC, USDC.e, USDT, and XSGD across three blockchains. Spending triggers automatic conversion at a 1% conversion cost. A 1.5% FX fee applies at the Hype tier; Gold-tier stakers pay 0%. The card is valid for three years and available in 176 countries. KYC is required, and no personal bank account or IBAN is provided. Daily spend limit is $3,000 at Hype tier. ATM withdrawals are not enabled.

Cashback is paid in $BASED tokens at the start of each month and can be converted immediately to USDC or USDT. The entry live tier (Hype) requires staking 10,000 $BASED tokens (roughly $941) to earn 2% cashback, capped at $20 per month. That cap means maximum monthly cashback value is $20 regardless of spending. Gold tier requires staking 100,000 $BASED (roughly $9,412) for 4% cashback capped at $100 per month, plus Netflix credits, ChatGPT and Claude credits, and four airport lounge visits annually. The free Orange tier (coming soon) earns 0% cashback.

KAST stands out for zero conversion costs and broad country support across 177 markets, but the free tier's $30 cashback cap is a hard ceiling that limits value for anyone spending seriously. Paid tiers unlock meaningfully higher caps, yet $85 to $850 per month is steep pricing to justify on cashback math alone.

KAST Card is issued by Rain out of Puerto Rico and runs on the Visa network. It is a custodial debit card denominated in USD. Both a free virtual card and a physical card are available; the physical card costs $40 to ship at the standard tier but ships free on paid tiers. Apple Pay is supported. The card auto-converts stablecoins including USDT, USDC, USDE, PYUSD, and RLUSD at the point of purchase across 13 blockchains, with zero conversion cost. Foreign currency transactions carry a 1.75% FX fee. The card is available in 177 countries and KYC is required. Cardholders receive a US bank account, enabling third-party USD deposits, though no IBAN is provided. Daily spend is unlimited; daily ATM withdrawals are capped at $750.

The free standard tier pays 1.5% cashback in USD, hard-capped at $30 per month, which means the cap is hit at $2,000 in monthly spending. Premium tier ($85/month) raises cashback to 2% with a $200 cap and adds 1% back in KAST Points with no cap. Private tier ($850/month) pays 3% cashback up to $1,500 plus 2% in KAST Points uncapped. One KAST Point is currently valued at $0.08, though KAST plans a token launch in Q4 2026 that could change point economics. Cashback becomes redeemable after 14 days and is applied automatically toward future card purchases. A task-based bonus system also exists for actions like deposits and card use, though specific bonus amounts are not fixed.

Xapo sits in a rare position: no cashback cap and a $750,000 daily spend limit signal serious intent for high-volume users. The problem is that $85 a month is a steep fixed cost, and EU-based cardholders earn only 0.2% cashback, which almost certainly does not cover the fee.

The Xapo Card runs on the Visa network and operates as a custodial debit card denominated in US dollars. Both physical and virtual cards are available at no issuance cost, and the card supports Apple Pay. Funding draws from BTC, USDC, and USDT balances across four supported blockchains, with auto-conversion at the point of purchase at a 0.1% conversion cost. There is no foreign exchange fee on spending. The card is available in 118 countries across Europe, the Middle East, Asia-Pacific, Latin America, and Africa. KYC is required. Cardholders receive a US bank account to receive third-party deposits. Daily spend limits reach $750,000, and ATM withdrawals are capped at $2,000 per day with a 2% ATM fee.

Cashback is paid in Bitcoin and credited automatically on the 5th of each month. The rate depends on merchant location and card type: EU merchants pay 0.2% on any card, non-EU merchants pay 0.5% on plastic or virtual cards, and non-EU merchants pay 1% on the metal card. There is no monthly cashback cap, which is uncommon. The practical ceiling is set by the $300,000 monthly spend limit, meaning a maximum of $3,000 in cashback per month at the top rate. A $500 welcome bonus is available. Typical users spending primarily in Europe will earn 0.2%, which is unlikely to offset the $85 monthly fee.