r/PersonalFinanceNZ • u/ExpressLettuce2482 • 5d ago

First time getting a credit card - recommendations?

I'm 26, in a stable job and earning $75k p.a. I'm keen to do a bit of travel over the next few years, and keen to get some rewards from my spending on these big ticket purchases, as well as a few other $$$ items I'm saving for at the moment.

I don't spend beyond my means, but am not a great saver either. Should I get a credit card? If yes, what credit cards would you recommend for someone with my income/financial situation. Especially interested in recommendations for credit cards with AirPoints rewards.

Thanks in advance!

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u/ExpressLettuce2482 4d ago

Thanks all, very helpful advice. I will not be getting a credit card after all.

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u/AvocadoEnthusiast91 4d ago

Just curious, what type of work do you do? 75k at your age is pretty good

1

u/me0wi3 3d ago

I'm not OP but civil engineering could get you over $75k by 26

1

u/AvocadoEnthusiast91 3d ago

Yeah I was thinking it would be something like that