Can you use credit card in Cook Islands?

Major credit cards are widely accepted at hotels, restaurants and tourist shops. Several ATMs can be found on Rarotonga, Aitutaki has two ATMs and two banks, and cash is needed for the smaller islands.



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Major credit cards are widely accepted at hotels, restaurants and tourist shops. Several ATMs can be found on Rarotonga, Aitutaki has two ATMs and two banks, and cash is needed for the smaller islands.

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Rarotonga is quite often cheaper than Aitutaki so if you're on a budget, it's safe to stay in this island. Depending on your spending habits and lifestyle, a safe manageable pocket money would be $100 - $150 NZ dollars per day. You can of course bring more than this!

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Bottom Line: The Best Debit Cards for International Travel in 2023
  • Revolut: Best overall US debit card for international travel.
  • Chime: US digital account without foreign transaction fees.
  • Wise: Multi-currency account with most currency options.
  • Capital One 360: Best US bank for international transactions.


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Is the Cook Islands Expensive to Visit? The Cook Islands is more expensive to visit than Australia, the US, Asia and Europe but cheaper than other Pacific destinations like Hawaii, Fiji and Tahiti (French Polynesia).

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Mobiles & WiFi You can buy a Visitor Sim card from the Vodafone offices in Avarua, or from Vodafone at the airport on arrival, or other retail outlets. Depending on the type of SIM your phone uses, you'll need to use a standard, micro or nano SIM. You'll get all three sizes in one SIM card - pop out the size you need.

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