Using Credit Cards in Niue
Can you use the credit cards in Niue? The short answer is: sometimes! While EFTPOS (Electronic Funds Transfer at Point of Sale) is becoming increasingly available in Niue, only the major credit card brands are accepted, as well as New Zealand debit cards. Nevertheless, cash is still highly important to have available while experiencing Niue, as many outlets only accept cash and the EFTPOS systems are sometimes known to shut down on the island. Plus, you may want to avoid credit card fees. We go into more detail on all of those matters in this guide to using your credit card in Niue.
Tips for Using Credit Cards in Niue
- The New Zealand Dollar is the legal tender in Niue
- The most widely accepted form of card payment is with New Zealand debit cards. Visa and MasterCards are also accepted in many outlets
- Always have cash available, as many outlets don’t accept credit card and sometimes the electronic payment systems are down
- Use credit cards as little as possible to save money on credit card surcharges issued by Niuean business
- There are no ATMs in Niue, but cash withdrawal is available at outlets such as Kiwibank, Niue Rentals, Swanson Supermarket, Double M and the Niue Bond Store. Fees apply.
For more money advice, see the 11 Money Tips for Niue.
Which Debit and Credit Cards are Accepted in Niue?
New Zealand debit cards and certain types of international credit cards are accepted in Niue, including:
However, there are a few credit card brands that will not be accepted in Niue, including brands like:
- American Express
- Diners Club
For advice on using New Zealand debit cards, see Can You Use Your New Zealand Bank Card in Niue?
Where Can You Use Debit and Credit Cards in Niue?
An increasing number of shops, restaurants and the Tourist Information Centre in Niue accept New Zealand debit cards, MasterCard and Visa credit cards, some only accepting New Zealand debit/credit cards.
However, some shops, many tours and guest house accommodation only accept cash, so this is one reason to make sure you have some cash with you when visiting Niue. Some goods and experiences, such as food stalls and the golf course, have an honesty box system where cash is required. The Niue Market is another instance when you can only pay with cash.
Another reason you will want to have some cash available while in Niue is that the EFTPOS systems are sometimes down, albeit usually for only short periods.
There are no ATMs in Niue, but cash can be withdrawn from outlets, such as Kiwibank, Niue Rentals, Swanson Supermarket, Double M and the Niue Bond Store. Note that there are fees for using this service.
For more advice on payment methods, see What is the Best Way to Pay in Niue?
Credit Card Charges
Seasoned travellers will know that there are always credit card fees associated with travelling overseas, which is even the case for New Zealand travellers to Niue using the same currency as home. Here are some of the credit card fees you may encounter in Niue:
Travellers whose home currency is not New Zealand Dollars, the issuing bank of your credit card is highly likely to charge some sort of “foreign currency service” fee or something similar. This will occur each time you make a transaction using your overseas credit card, which is typically a fee of around 1-3% of the transaction in your home currency.
A credit card fee all visitors using a credit card may experience in Niue, whether it’s from New Zealand or not, is a surcharge implemented by local businesses. Many businesses in Niue apply a credit card fee of 3-5% on each transaction.
Finally, a withdrawal fee is also applied when using one of the cash withdrawal services, such as at Kiwibank, Swanson Supermarket, etc. We’ve seen these fees for around NZ$5.
See more fees you might experience in Niue in the Niue Tax Guide for Travellers.
More About Using a Credit Card in Niue and Other Travel Tips
- What is the Currency of Niue?
- 10 Tips for Travelling Niue on a Budget
- What is the Cost of Travelling in Niue?
That’s it for our guide to using credit cards in Niue. Now head to the Niue Travel Budget: How Much Does a Trip to Niue Cost? for its full budget overview or The Travel Guide to Niue on a Budget for more advice.