For New Zealand the best form of travel money is a mix of card and cash. The cards can include credit, debit and prepaid depending on what suits you best. The best cards have no foreign transaction fees, saving you 3% straight away.
We recommend loading up your debit card or prepaid card before you leave so you are spending your money in New Zealand. Take a credit card for extra spending and a debit card like Macquarie Transaction or ING Orange to withdraw New Zealand dollars with no fees.