Under cross-examination in the High Court in London overnight, Cairns angrily denied he took payments to fix matches, the Guardian reported.
"It was dressed as my name along with others ... I refuted it and we moved on," Cairns said. "My answer is, I am not a cheat. Sir, I am not a cheat."
He denied an accusation he promised teammate Karanveer Singh NZ$25,000 per game to cheat, TVNZ reported.
"I'd never had such a conversation," Cairns told the court.
Thwaites questioned Cairns about two payments totalling 600,000 Emirati Dirham (NZ$197,000) payments to his account made in 2008. The payments were for promotional work Cairns did for India-based diamond trader Vijay Dimon, however Thwaites claimed the payments were suspicious ahead of the ICL season in a country "where match fixing is rife", Cricinfo reported.
"You're deeming it as payment for the ICL. I'm deeming it as the first installment of a future career," Cairns responded.
Thwaites said the lack of a formal contact between Dimon and Cairns aroused further suspicion.
Cairns represented New Zealand in 62 tests, 215 one-day internationals and two Twenty20s. He made his test debut against Australia in 1989 and finished his international career with a Twenty20 match against West Indies in February 2006.