Methodology

Flat-rate cards use annual eligible spend × published reward value, minus annual fee.

Westpac hotpoints

Tiered monthly earn rates are applied with spend spread evenly across the year. The calculator uses NZ$0.00494 per hotpoint for comparison.

BNZ Points

The special Private Bank example uses 1.67 points per $1 and 200 points = $0.94 cash back.

Excluded

• Interest
• Other service fees
• Promotions
• Insurance value
• Transaction exclusions