Compare Airpoints Credit Cards

There are fantastic opportunities to benefit from Airpoints credit cards. Earn points to spend on flights, rental cars and many other things.

AMEX airpoints credit card
American Express airpoints platinum card
The American Express Airpoints Platinum Card

Earn 1 Airpoints dollar for every $59 spent | 1 Status point for every $250 spend | Complimentary access to aiport lounges | Get free travel insurance for both domestic and international trips

Promotion

300 bonus Airpoints Dollars when you apply online, are approved and spend $1,500 on your new Card within the first 3 months. New Card Members only.

Interest Rate Cash Advance (p.a.)

22.95%

Minimum Credit Limit

Overseas Travel Insurance

Built-in Travel Insurance

Joint Or Additional Cards Fee

Free

Foreign Currency Purchases

2.50% of converted amount

Payment Type

Other

Enjoy complimentary access to 1,400 Airport lounges across 140 countries and counting with The American Express Global Lounge Collection including the Centurion Lounge, Escape Lounges - The Centurion Studio Partner in Sydney and Melbourne Australia

Kiwibank airpoints low fee visa
Kiwibank Air New Zealand Airpoints Low Fee Visa

Earn 1 Airpoints dollar for every $200 spend | Access in advance up to 100 additional Airpoints Dollar

Interest Rate Cash Advance (p.a.)

16.90%

Minimum Credit Limit

$1,000

Overseas Travel Insurance

Joint Or Additional Cards Fee

$5 per card every six months

Foreign Currency Purchases

1.85% of the New Zealand dollar amount once converted.

Payment Type

Other

American express airpoints card
The American Express Airpoints Card

Earn 1 Airpoints dollar for every $100 spent | Online Fraud Protection guarantee | Get up to 4 additional cards at no extra fee

Promotion

50 Bonus Airpoints Dollars, spend $750 on your new Card within the first 3 months.

Interest Rate Cash Advance (p.a.)

22.95%

Minimum Credit Limit

Overseas Travel Insurance

Joint Or Additional Cards Fee

Free

Foreign Currency Purchases

2.50% of converted amount

Payment Type

Other

Kiwibank Airpoints visa card
Kiwibank Air New Zealand Airpoints Platinum Visa

Earn 1 Airpoints dollar for every $115 spend | 1 status points for every $200 eligible purchase

Interest Rate Cash Advance (p.a.)

20.95%

Minimum Credit Limit

$5,000

Overseas Travel Insurance

Built-in Travel Insurace

Joint Or Additional Cards Fee

$15 per card every six months.

Foreign Currency Purchases

1.85% of the New Zealand dollar amount once converted.

Payment Type

Other

Two complimentary single entry Lounge eVouchers each year when you spend $30,000

ANZ Airpoints Visa Platinum
ANZ Airpoints Visa Platinum

Earn 1 Airpoints Dollar for every $110 you spend

Earn 50% bonus Status Points on top of the Status Points you earn on eligible flights with Air New Zealand

Interest Rate Cash Advance (p.a.)

20.95%

Minimum Credit Limit

$8,000

Overseas Travel Insurance

Yes

Joint Or Additional Cards Fee

$5 p.a. (charged $2.50 half yearly)

Foreign Currency Purchases

1.3% of the NZ $ amount

Payment Type

Apple Pay & Google Pay

Other

Westpac Airpoints Platinum Mastercard
Westpac Airpoints Platinum Mastercard

Earn 1 Airpoints Dollar for every $110 spent on your card up to (and including) $7,000 then 1 Airpoints Dollar for every $220 spent on your card each month.

Extended Warranty Insurance up to 12 months | 90 days Purchase Protection

Interest Rate Cash Advance (p.a.)

22.95%

Minimum Credit Limit

$500

Overseas Travel Insurance

Up to 35 days

Joint Or Additional Cards Fee

$25 per year

Foreign Currency Purchases

1.95% of transaction amount

Payment Type

PayTag, Apple Pay, Google Pay

Other

Westpac airpoints world mastercard
Westpac Airpoints World Mastercard

Earn 1 Airpoints Dollar for every $95 spent on the card, then 1 Airpoints Dollar for every $190 spent on your card each month.

Priority pass lounge | Extended Warranty Insurance up to 12 months | 90 days Purchase Protection

Interest Rate Cash Advance (p.a.)

22.95%

Minimum Credit Limit

$10,000

Overseas Travel Insurance

Up to 120 days

Joint Or Additional Cards Fee

$100 per year ($50 every 6 months)

Foreign Currency Purchases

1.95% of transaction amount

Payment Type

PayTag, Apple Pay, Google Pay

Other

Six monthly account fee of $155 waived if you spend $50,000 or more between your fee charges

Westpac Airpoints Mastercard
Westpac Airpoints Mastercard

Earn one Airpoints Dollar for every $150 spent on the card, then 1 Airpoints Dollar for every $300 spent on your card each month.

Interest Rate Cash Advance (p.a.)

22.95%

Minimum Credit Limit

$500

Overseas Travel Insurance

Joint Or Additional Cards Fee

$15 per year

Foreign Currency Purchases

1.95% of transaction amount

Payment Type

PayTag, Apple Pay, Google Pay

Other

ANZ Airpoints Visa
ANZ Airpoints Visa

Earn 1 Airpoints dollar for every $170 spent | Get up to 50 Airpoints dollars in advance

Interest Rate Cash Advance (p.a.)

20.95%

Minimum Credit Limit

$500

Overseas Travel Insurance

Joint Or Additional Cards Fee

$5 p.a. (charged $2.50 half yearly)

Foreign Currency Purchases

1.3% of the NZ $ amount

Payment Type

Apple Pay & Google Pay

Other

AMEX rewards credit card

What is the Airpoints Loyalty Program?

Airpoints is Air New Zealand’s loyalty program. Membership is free and anyone can join. Once a member you can earn Airpoints Dollars in many different ways. Then you get to spend the Airpoints on flights, rental cars, other travel and life related goods.

Airpoints is one of the best loyalty programs in New Zealand, with a range of partners and incentives. Even if you’re not a frequent flyer, you still have plenty of opportunity to earn rewards with everyday purchases by using your Air New Zealand Airpoints credit card.

1 Airpoints Dollar equals 1 New Zealand Dollar, which makes it easy to figure out how you can afford to spend your Airpoints.

Airpoints can be redeemed for all sorts of things, including:

Flights Book flights on Air New Zealand, Star Alliance Airlines, and partner airlines. You can also use Airpoints to pay for onboard food and drinks, extra baggage allowances, and car rentals.
Upgrades Get a higher cabin class on Air New Zealand flights.
Retail and everyday purchases Buy a range of products from over 120 brands through the online Airpoints Mall or spend on travel and everyday items like petrol or hardware with 40 Airpoints Partners.
Koru membership You can use your Airpoints Dollars to purchase Koru membership, which gives you access to benefits such as priority check-in, lounge access, and extra baggage allowances.
Donations Donate your Airpoints Dollars to Airpoints for Schools, which helps Kiwi kids get involved in extracurricular activities.

 

Which credit cards earn Airpoints?

You can earn Airpoints with several major credit card providers in New Zealand.

  • American Express (The highest earning Airpoints cards are offered through American Express)
  • ANZ
  • Kiwibank
  • Westpac
  • Air New Zealand also has its own credit card to earn Airpoints

You’ll earn Airpoints Dollars whenever you make eligible purchases. Usually, these include everyday expenses such as grocery shopping, dining experiences, fuel costs, and retail purchases. You won’t earn points for cash withdrawals, BPAY transactions, or credit card fees.

How to Make the Most of Your Airpoints Credit Card

Read on to get tips about how to get the most from your Airpoints card.

Airpoints sign-up bonuses

Take advantage of any sign-up bonuses. Some cards offer bonus Airpoints — ranging from 50-300 — when you sign up for the card.

Choose a high-earning card

How many Airpoints you earn per dollar spent will vary between cards.

For example, one card may have you earning 1 Airpoints dollar for every $65 spent on eligible purchases, while another card may offer 1 Airpoint for every $100 spent.

However, you need to balance a high earning rate with any related fees; if a card allows you to earn quicker but has higher fees are the benefits outweighed by the fees?

Take advantage of the other card features

Earning Airpoints isn’t the only benefit on offer. Depending on your chosen card, you could access various other benefits like Priority Pass airport lounge access, flight upgrades, international travel insurance, and extended warranties for eligible goods and gadgets you purchase with the card.

Shop at retail and travel partners to maximise your points

You can grow your Airpoints balance faster by shopping with retail and travel partners, including Mitre 10, Caltex, Liquorland, Pet Direct, AVIS, Quest, and more.

When you make purchases with these partners, you can earn extra Airpoints on top of your regular spending. Plus, some partners offer other incentives, such as fuel cost savings, making it even more advantageous to shop with them.
Check out the complete list of Airpoint partners here.

Travel with Air New Zealand or Star Alliance partner airlines

You’ll also earn Airpoints when you book flights with Air New Zealand or Star Alliance partner airlines. Use the Air New Zealand Airpoints Calculator to see exactly how many points you can earn for a flight.

Is an Airpoints credit card right for you?

Perks: Airpoints credit cards offer a range of benefits. But the key is aligning them with your lifestyle. Will you actually use the rewards and features they offer?

Spending habits: Are you the kind who uses a credit card often? These cards are tailored for regular credit card users.

Weigh up cost vs perks: This is an important one. Do the benefits you get outweigh any fees and charges associated with the card? Will you earn (and redeem) enough points to justify the costs?

Financial management: Are you in a position to clear your credit card balance each month to avoid interest charges or getting in over your head with debt? Responsible handling is key to reaping the full benefits of these cards.

When exploring your options, think about factors such as annual fees, interest rates, rewards earning potential, additional perks, and any specific terms and conditions associated with each card.

Compare Airpoints cards now

Make the most of your earnings potential by getting the card that best suits your purchasing patterns.