I've visited New Zealand a few times en route to Antarctica. The only time I've ever needed to take out cash was for the Christchurch bus service. I was in MIQ on the way in, but they gave us free reign on the way out because Antarctica was considered virus-free (and according to immigration NZ, it counts as the Ross Dependency). There was obviously a lot of push for contactless payments in 2021. I get the impression that the pandemic helped really cement it, although it sounds like the UK where we've had widespread contactless for almost 20 years.
The pandemic helped the banks push contactless which they love, because it’s not EFTPOS.
EFTPOS is our national post of sale system, it has very low or no fees for any party involved. Merchants pay a fixed machine rental per month which can include unlimited transactions, or may have a per transaction fee of up to $0.20. Most individuals do not pay a fee for using EFTPOS and there’s normally no card fee, though some banks have accounts with fees that have other benefits (eg higher deposit interest rates to encourage saving).
Contactless goes via the standard card network extortion. Since 2022 the interchange rate has been capped by legislation which has helped merchants a lot, but the per transaction fee over the card network is still far higher than EFTPOS.
Contactless EFTPOS does exist in Australia - we share a lot of the underlying tech - but the banks won’t activate it here because they’d lose the interchange fees.
Online EFTPOS is starting to gain market share though, which is nice.
