GET
/
api
/
v1
/
credit-card-rates
curl --request GET \
  --url https://ratesapi.nz/api/v1/credit-card-rates
{
  "type": "CreditCardRates",
  "data": [
    {
      "id": "issuer:anz",
      "name": "Amex",
      "products": [
        {
          "id": "product:anz:standard",
          "name": "Standard",
          "rates": [
            {
              "id": "rate:anz:standard:18-months",
              "rate": 4.29,
              "plan": "Secured",
              "condition": "$3,000 to $50,000"
            }
          ]
        }
      ],
      "plans": [
        {
          "id": "plan:amex:airpoint-card",
          "name": "Airpoint Card",
          "interestFreePeriodInMonths": 55,
          "primaryFeeNZD": 0,
          "balanceTransferRate": 0,
          "balanceTransferPeriod": "6 months",
          "cashAdvanceRate": 0,
          "purchaseRate": 0
        }
      ]
    }
  ],
  "lastUpdated": "2021-08-01T00:00:00.000Z",
  "termsOfUse": "<string>",
  "timestamp": "2025-03-04T02:30:00.000Z"
}

This endpoint returns a comprehensive list of credit card rates and offers from most financial institutions and issuers in New Zealand. The data includes interest rates, reward programs, fees, and special promotional offers for various credit card products.

​
Response Data

The response includes:

  • Institution/issuer name and ID
  • Purchase interest rates
  • Cash advance rates
  • Balance transfer rates and promotional offers
  • Reward program details
  • Interest-free days

​
Use Cases

  • Credit Card Comparison Tools: Help users find the best credit card rates and rewards based on their spending habits
  • Financial Advice Applications: Integrate credit card data into holistic financial planning tools
  • Rewards Optimization: Build applications that help users maximize credit card rewards
  • Balance Transfer Calculators: Create tools to help users find the best balance transfer offers
  • Spending Analysis: Integrate credit card features with spending tracking applications

Response

200
application/json
Retrieve all credit card rates for all institutions
​
type
enum<string>
required
Available options:
CreditCardRates
​
data
object[]
required
​
lastUpdated
string
required
Example:

"2021-08-01T00:00:00.000Z"

​
termsOfUse
string
required
​
timestamp
string
required

Current server timestamp

Example:

"2025-03-04T02:30:00.000Z"

Get Credit Card Rates by IssuerCredit Card Rates Time Series