Thanks

That might be a bridge too far, we currently put about 70-80k a year on CC and with travel a bit more limited than in the past, its more likely to stay at the lower end.

Having looked at the options, I think Kiwibank low-fee is probably the best way, for $30 per year. That way at least we know they are safe and it is less than a third of a percent "inflation" for the next year or two, as they dont seem to be offering any extensions on expiry.