Countdown Onecard Visa review for Kiwis 2025: fuel savings, free delivery and zero annual fee in year one
How Kiwis can maximise Countdown Onecard Visa rewards in 2025 with AA Smartfuel fuel savings, free delivery on $200+ orders and no annual fee in your first year
Why Countdown Onecard Visa suits many Kiwis
The Countdown Onecard Visa is built for everyday grocery spenders in New Zealand who want straightforward rewards. With 2x Onecard Points at Countdown and the ability to earn points wherever Visa is accepted, this card quickly pays back regular grocery and household purchases.
For most Kiwi households the combination of fuel savings via AA Smartfuel, free delivery on orders $200+, and no annual fee in year one makes the Countdown Onecard Visa a smart choice. It’s ideal if you want practical perks that reduce weekly costs rather than flashy travel rewards.
How to earn and use Onecard Points
Onecard Points accumulate at a simple rate: every $10 spent generally earns 1 Onecard Point, and shopping at Countdown doubles that to 2x. Points can be redeemed on groceries and partner offers, so frequent shoppers see the benefits stack fast.
Be mindful of exclusions: cash advances, preloaded store cards, gambling and some business purchases don’t earn points. To maximise value, use the Countdown Onecard Visa for regular household bills and supermarket runs instead of high-interest cash withdrawals.
Perks that matter: fuel, delivery and fees
One standout bonus is AA Smartfuel fuel savings earned by shopping at Countdown and using the Countdown Onecard Visa. These fuel discounts are redeemable at participating stations like BP and Caltex, trimming petrol bills for commuters and families alike.
Online orders of $200 or more get free delivery in eligible areas, and the card waives the annual fee for the first year. After that the fee applies, so plan whether the ongoing benefits exceed the yearly cost based on your shopping habits.
Rates, eligibility and tips to get the most
Standard interest rates apply if you carry a balance, so to truly benefit from the Countdown Onecard Visa you should pay off the statement in full when possible. The interest-free days are useful, but rewards are undermined by high interest charges if balances roll over.
To apply you need to meet basic Kiwi criteria: be 18+, a NZ citizen or permanent resident and have a reasonably clean credit history. Maximise rewards by consolidating grocery shopping to hit free delivery thresholds and using the card for regular Visa transactions to accumulate Onecard Points faster.