Your comment inspired me to check out a bunch of other banks to see what the deal is.
It seems like a few of them have some perks like travel insurance, cashback or airpoints/reward points, but most of them have no or very tiny perks on their cards. A lot of the airpoints are also locked behind a minimum spend in the first 3 months.
For me personally even the "good" cards aren't that great because I just don't spend that much money. Though travel insurance would be nice once the world opens back up.
The better ones do have an annual fee, so also take that into account. But for us while we were travelling more frequently, the flyer points and insurance made it very worthwhile.
Chargebacks are useful depending on consumer protection laws. I'd guess in NZ they're less useful like here in Aus, but if you buy from foreign companies it can be a useful stick to wield as otherwise you'd have little legal recourse.
It seems like a few of them have some perks like travel insurance, cashback or airpoints/reward points, but most of them have no or very tiny perks on their cards. A lot of the airpoints are also locked behind a minimum spend in the first 3 months.
For me personally even the "good" cards aren't that great because I just don't spend that much money. Though travel insurance would be nice once the world opens back up.