Take $NZ cash
We have just come back, and found changing NZ cash no problem, and a better exchange rate, B25.3, some days it went up others down but nothing under 25B. We had to use ATM's a couple of times and checked rate on statement with Westpac and they change you a % of the money you withdraw and then an $8.00 fee each time, so Credit card if you are using one would get a better exchange rate. But I still think cash is better and just as easy.
Have fun
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