Best Crypto Cards in New Zealand (2026)
Compare 20 crypto cards available in New Zealand. Crypto treated as property and taxed as income, NZD settlement, and FMA-regulated market.
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Card Type
Avici Platinum Card
Avici Signature Card
Basic (Midnight Blue)
Bitget Visa Card
Bybit Card
Bybit Supreme VIP Card
ether.fi Luxe Card
ether.fi Pinnacle Card
ether.fi VIP Card
Jupiter Global
KAST Bitcoin Black Card
KAST Bitcoin Silver Card
KAST Founders Edition
KAST K Card
KAST Solana Card
KAST Solana Gold Card
KAST Solana Illuma Card
KAST Solana Solid Gold Card
KAST X Card
MetaMask Metal Card
MetaMask Virtual Card
OKX Mastercard Debit
Plus (Ruby Steel)
Prime
Private (Icy White / Rose Gold)
Private (Obsidian)
Pro (Royal Indigo / Jade Green)
RedotPay Physical Card
RedotPay Solana Card
RedotPay Virtual Card
Tria Premium Card
Tria Signature Card
Tria Virtual Card
Wirex Elite Card
Wirex Standard Card
Xplace Gold Club Card
Xplace Platinum Club Card
Xplace Silver Club Card
Xplace Standard Card
Verified for New Zealand
39 crypto cards available
Local currency: NZD
If you bank with ANZ NZ, ASB, or Westpac NZ, your debit card earns zero cashback and charges 2-3% on non-NZD purchases. New Zealand's 20 crypto cards offer up to 10% cashback, zero FX fees, and a regulatory environment that is clear if somewhat demanding: crypto treated as property, gains taxed as income.
New Zealand's IRD (Inland Revenue Department) has issued detailed crypto guidance. Like Australia, crypto is treated as property and disposal gains are taxable. The approach is pragmatic and well-documented. NZD means FX fees matter on every card transaction.
| Card | Max Cashback | Annual Fee | FX Fee | Type | Best For |
|---|---|---|---|---|---|
| Bybit | 10% | $0 | 0.5% | Debit | Highest cashback (VIP tier) |
| Bitget | 8% | $0 | 0% | Debit | Zero FX fee + high cashback |
| Crypto.com | 5% | $0 | 0% | Prepaid | Metal tiers with lounge access |
| OKX | 5% | $0 | 0% | Debit | Mastercard network |
| KAST | 2% | $0 | 0% | Prepaid | No-fee starter card |
| Bleap | 2% | $0 | 0% | Debit | Self-custody spending |
| RedotPay | 0% | $0 | 1.2% | Prepaid | Budget APAC option |
Bitget is the top pick for NZ residents: 8% cashback, zero FX fee (critical for NZD users), zero annual fee. Given NZ's income tax rates, stablecoin funding is recommended to minimize taxable gains.
Best Card For Every Need in New Zealand
Top 10 Crypto Cards in New Zealand
1. Bybit Supreme VIP Card
The Ultimate Trader Card: 10% Back + ChatGPT & TradingView Rebates
2. Bitget Visa Card
The Trader's Daily Driver: Instant Crypto Spending
3. KAST Solana Gold Card
24K Gold Plated: 8% Points + VIP Concierge at $10,000/yr
4. KAST Solana Solid Gold Card
37g Solid Gold: The Only Solid Gold Crypto Card on the Market
5. Prime
The Apex: 8% Uncapped CRO Rewards + Private Account Manager
6. Wirex Elite Card
Elite Travel Status: 8% Rewards + Priority Support
7. Tria Premium Card
Ultimate Web3 Luxury: 6% Cashback + Zero ATM Fees
8. KAST Bitcoin Black Card
Bitcoin Black Metal: 5% Points + 4% $MOVE at $1,000/yr
9. KAST Founders Edition
Strictly Limited: $5,000 One-Time + VIP Concierge + No Annual Fee
10. KAST Solana Illuma Card
Illuminating Metal: 5% Points + 4% $MOVE at $1,000/yr
Crypto Card Regulation in New Zealand
The FMA (Financial Markets Authority, Te Mana Tatai Hokohoko) regulates financial markets including crypto service providers. The FMA requires VASPs to register under the Financial Service Providers Act and comply with AML/CFT requirements.
The RBNZ (Reserve Bank of New Zealand, Te Putea Matua) oversees monetary policy and NZD. New Zealand's approach mirrors Australia's: pragmatic regulation treating crypto as property with clear tax guidance from the IRD.
Bybit, OKX, Bitget, and Crypto.com serve NZ users through their APAC entities. New Zealand's small but tech-savvy market benefits from APAC coverage.
IRD has issued detailed crypto tax guidance. Keep meticulous records for annual tax filing.
Tax Treatment of Card Rewards in New Zealand
New Zealand taxes crypto gains as income at progressive rates. The IRD treats crypto as property. Spending crypto through a card is a disposal event, triggering income tax at your marginal rate (up to 39% for income above NZD 180,000).
Example: You bought 0.01 BTC at NZD 5,000 and spend it when it is worth NZD 20,000. The NZD 15,000 gain is taxed at your marginal rate. At the 33% bracket (NZD 70,001-180,000), the tax is NZD 4,950.
There is no separate capital gains tax in New Zealand. Instead, crypto gains are folded into your regular income and taxed at progressive rates: 10.5% (up to NZD 14,000), 17.5% (NZD 14,001-48,000), 30% (NZD 48,001-70,000), 33% (NZD 70,001-180,000), 39% (above NZD 180,000).
| Cashback Type | When Received | When Spent via Card | Total Tax Burden |
|---|---|---|---|
| BTC cashback | Taxed as income | 10.5-39% on gain | Up to 39% + 39% |
| USDC cashback | Taxed as income | ~0% (minimal gain) | 10.5-39% |
| Points/perks | Not taxed | N/A | 0% |
Stablecoin funding is strongly recommended. At marginal rates up to 39%, spending appreciated crypto is expensive. Fund with USDC to minimize disposal gains. The cashback itself is taxable as income.
How to Apply from New Zealand
NZ crypto card applications require a NZ passport or NZ driver's licence for citizens, or passport plus visa for foreign residents. The IRD number (8 or 9-digit tax number) is required for most financial services. RealMe is the standard digital identity verification.
Proof of NZ address via utility bill (power, internet), bank statement, or tenancy agreement. APAC issuers have straightforward onboarding for NZ residents.
Physical cards ship to NZ addresses within 7-14 business days. Virtual cards are available immediately for Apple Pay and Google Pay use.
Spending Tips for New Zealand
Stablecoin Strategy at Up to 39% Tax
New Zealand's progressive income tax means crypto gains are added to your regular income. High earners face up to 39% on disposal gains. Fund your card with USDC to minimize taxable disposal events. The cashback itself is taxable but the disposal gain is where the real tax hit occurs.
Card Selection by Use Case
- Bitget (8% cashback, free): Best all-around card, zero FX fee critical for NZD users
- Bybit (up to 10% VIP): Best for high-volume Bybit traders
- Crypto.com (up to 5%): Best for lounge access at AKL (Auckland)
- KAST (2% cashback, free): Best no-fee starter card
Spending Scenario: NZD 3,000/month (~$1,800 USD)
| Funding Method | Annual Spend | Cashback (8%) | Tax (33% bracket) | Net Cashback |
|---|---|---|---|---|
| BTC (appreciated 100%) | NZD 36,000 | NZD 2,880 | NZD 950 on gains | NZD 1,930 |
| USDC (stablecoin) | NZD 36,000 | NZD 2,880 | ~NZD 0 on gains | ~NZD 2,880 |
Stablecoin funding saves ~NZD 950/year at the 33% bracket. NZD 2,880/year covers 2+ weeks of groceries at Countdown or Pak'nSave.
FX Is Critical for NZD Users
NZD is not pegged to any currency. Every transaction through a USD or AUD-settled card involves FX conversion. Cards with 0% FX fees save 2-3% per transaction versus ANZ NZ or ASB debit cards. On NZD 3,000/month, that is NZD 720-1,080/year in FX savings.
Local Payment Infrastructure
Card acceptance is near-universal in Auckland, Wellington, and Christchurch. Contactless Visa/Mastercard works at Countdown, New World, Pak'nSave, and virtually all retailers. New Zealand is highly cashless. Apple Pay and Google Pay are widely supported. Cash is accepted but rarely needed in cities.
Supported Exchanges & Wallets in New Zealand
APAC exchange cards: Bybit (up to 10% VIP), OKX (5%), Bitget (8%), and Crypto.com (up to 5%) serve NZ users through APAC entities.
Globally available: KAST, xPlace, and RedotPay may be accessible under worldwide coverage.
Domestic platforms: Easy Crypto (NZ-founded) and Dasset are the most recognized domestic platforms. Neither offers a Visa/Mastercard spending card in our comparison. They serve as NZD-to-crypto on-ramps.
Self-custody options: Bleap (2%, free) and Tria (up to 6%) offer self-custody spending for NZ users wanting wallet control.
Frequently Asked Questions
How is crypto card spending taxed in New Zealand?
Crypto gains are taxed as income at progressive rates (10.5-39%). Spending through a card is a disposal event. Fund with USDC to minimize gains. NZ has no separate capital gains tax, but crypto gains are folded into your regular income.
Which crypto card is best for NZ residents?
Bitget Card: 8% cashback, zero FX fee, zero annual fee. Zero FX fee is critical for NZD users. Stablecoin funding recommended given NZ's progressive tax rates up to 39%.
Is NZ's crypto tax similar to Australia's?
Yes, both treat crypto as property with disposal gains taxable. However, Australia offers a 50% CGT discount for holdings over 12 months. NZ has no such discount, making stablecoin strategy even more important.
Do domestic NZ platforms offer crypto cards?
No. Easy Crypto and Dasset are NZ-focused but don't offer Visa/Mastercard spending cards. APAC exchange cards (Bybit, Bitget, OKX) and globally available cards (KAST) are the primary options.