Countdown Onecard Visa review for Kiwi shoppers, fuel savings, free delivery and no annual fee
Countdown Onecard Visa for Kiwis, double Onecard points at Countdown, AA Smartfuel petrol savings, free delivery on orders over $200 and no annual fee in the first year
Why Kiwis choose the Countdown Onecard Visa
The Countdown Onecard Visa is built for everyday Kiwi shoppers who want to squeeze more value from weekly grocery runs. With double Onecard Points at Countdown and fuel savings through AA Smartfuel, it’s tailored to New Zealand spending habits.
Many Kiwis appreciate the card’s straightforward value: earn points where you already shop, get free delivery on larger orders, and enjoy no annual fee in the first year. That combination makes it easy to see real savings on routine household spending.
Earning and using Onecard Points
You earn Onecard Points on almost every Visa purchase: the standard earn rate applies everywhere Visa is accepted, and you get 2x Onecard Points when you shop at Countdown. Those points convert into dollars off groceries and rewards, so frequent shoppers build meaningful value fast.
Be aware of exclusions: cash advances, preloaded store cards, gambling and certain business transactions don’t earn points. Plan your spending to concentrate grocery and household buys on the Countdown Onecard Visa to maximise point accumulation.
Fuel savings and free delivery perks
One of the standout features for Kiwis is the AA Smartfuel offer. By using the Countdown Onecard Visa at Countdown, you collect fuel discounts redeemable at participating petrol stations (for example BP and Z). That can shave dollars off weekly petrol costs for families and commuters.
Another practical benefit is free delivery on Countdown online orders over $200, which suits bulk shopping for households or flatmates. Check local availability and delivery windows, but when it’s available this perk turns big grocery trips into genuine time and money savings.
Fees, rates and whether it suits you
The card has sensible perks but also typical reward-card trade-offs: no annual fee in year one, then $65 p.a., purchase rate around 19.99% p.a. and cash advance rate higher. If you pay your balance in full each month you keep the interest from eating into the value of your Onecard Points.
For Kiwis who mainly shop at Countdown and can clear the balance monthly, the Countdown Onecard Visa delivers strong everyday value. If you carry a balance or prioritise travel insurance and premium perks, compare other cards before applying.
How to get the most from the card
Use the Countdown Onecard Visa as your go-to for groceries, bulk online orders and everyday Visa purchases to stack Onecard Points quickly. Schedule one or two larger shopping sessions to hit the $200 free delivery threshold when possible.
Regularly check the Onecard site for fuel offers, partner stations and point promotions. If you keep an eye on promotional windows and clear your balance monthly, the Countdown Onecard Visa can shave costs off groceries and petrol for many Kiwi households.